Home Insurance in Asher, Oklahoma
Homes in Asher carry a median value of $157,100 - 5% lower than the Pottawatomie County median.
The typical home in Asher was built around 2001. About 14% of homes were built before 1960, about 8 points below Pottawatomie County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Asher, the housing stock is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 69% of owner-occupied homes in Asher have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Asher are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Asher, 81% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Asher? FEMA's National Risk Index points to tornado (Relatively High) in Pottawatomie County and Pottawatomie County had 128 active NFIP flood policies as of September 2026. See the full Pottawatomie 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 | $157,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Pottawatomie County | 128 |
| 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)