Home Insurance in Fitzhugh, Oklahoma
With a median home value of $156,900, Fitzhugh is 11% lower than the Pontotoc County median.
The typical home in Fitzhugh was built around 1980. About 25% of homes were built before 1960, about 2 points above Pontotoc County's 23%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fitzhugh is 73% single-family homes and 27% mobile or manufactured homes.
38% of owner-occupied homes in Fitzhugh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fitzhugh has an owner-occupancy rate of 91% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Fitzhugh are primarily heated with electricity.
Pontotoc County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Pontotoc County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $156,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pontotoc County | 16 |
| 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)