Home Insurance in Carlton Landing, Oklahoma
The median home value in Carlton Landing is $714,300, 355% higher than the Pittsburg County median.
The housing stock in Carlton Landing is 97% single-family homes.
67% of owner-occupied homes in Carlton Landing carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 84%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Carlton Landing are owner-occupied.
Most homes in Carlton Landing - 72% - are primarily heated with electricity.
What's the biggest home insurance risk near Carlton Landing? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Pittsburg County and 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 | $714,300 |
|---|---|
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)