Home Insurance in Pottawatomie County, Oklahoma
The median home value in Pottawatomie County is $165,400, 17% lower than the Oklahoma median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pottawatomie County was built around 1980. About 22% of homes were built before 1960, in line with Oklahoma (21%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pottawatomie County is 77% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
50% of owner-occupied homes in Pottawatomie County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pottawatomie County has an owner-occupancy rate of 70% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
45% of homes in Pottawatomie County 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.
FEMA's National Risk Index lists tornado (Relatively High), hail (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for Pottawatomie County.
Pottawatomie County had 128 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $165,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 128 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Asher
- Bethel Acres
- Brooksville
- Earlsboro
- Johnson
- Macomb
- Maud
- McLoud
- Pink
- Shawnee
- St. Louis
- Tecumseh
- Tribbey
- Wanette
Sources
- 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)