Home Insurance in Hammon, Oklahoma
With a median home value of $83,800, Hammon is 47% lower than the Roger Mills County median.
The typical home in Hammon was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 4 points below Roger Mills County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hammon is 75% single-family homes, 1% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
32% of owner-occupied homes in Hammon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Hammon are owner-occupied.
In Hammon, 51% of homes are primarily heated with electricity.
FEMA rates Roger Mills County's overall risk as Very Low, led by wildfire (Relatively Moderate). Roger Mills County had 4 active NFIP flood policies as of September 2026. See the full Roger Mills County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $83,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Roger Mills County | 4 |
| 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)