Home Insurance in Seminole, Oklahoma
The median home value in Seminole is $103,600, close to the Seminole County median.
The typical home in Seminole was built around 1970. About 39% of homes were built before 1960, about 8 points above Seminole County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Seminole, the housing stock is 81% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
39% of owner-occupied homes in Seminole carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Seminole are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Seminole, 55% of homes are primarily heated with natural gas.
Seminole County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Seminole County had 35 active NFIP flood policies as of September 2026. See the full Seminole County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $103,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Seminole County | 35 |
| 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)