Home Insurance in Reydon, Oklahoma
With a median home value of $85,000, Reydon is 46% lower than the Roger Mills County median.
The typical home in Reydon was built around 1969. About 23% of homes were built before 1960, about 10 points below Roger Mills County's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Reydon, the housing stock is 81% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Reydon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Reydon are owner-occupied.
83% of homes in Reydon are primarily heated with natural gas.
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.
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 | $85,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)