Home Insurance in Tecumseh, Oklahoma
With a median home value of $122,500, Tecumseh is 26% lower than the Pottawatomie County median.
The typical home in Tecumseh was built around 1977. About 23% of homes were built before 1960, about 2 points above Pottawatomie County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Tecumseh is 80% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Tecumseh carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Tecumseh are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Tecumseh are primarily heated with natural gas.
FEMA rates Pottawatomie County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 | $122,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)