Home Insurance in Canadian, Oklahoma
With a median home value of $84,400, Canadian is 46% lower than the Pittsburg County median.
The typical home in Canadian was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 4 points above Pittsburg County's 22%.
In Canadian, the housing stock is 86% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Canadian carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Canadian are owner-occupied.
Most homes in Canadian - 58% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Pittsburg County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Pittsburg County had 79 active NFIP flood policies as of September 2026. See the full Pittsburg County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $84,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pittsburg County | 79 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)