Home Insurance in Gans, Oklahoma
With a median home value of $139,400, Gans is close to the Sequoyah County median.
The typical home in Gans was built around 1976. About 5% of homes were built before 1960, about 5 points below Sequoyah County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gans is 79% single-family homes and 20% mobile or manufactured homes.
25% of owner-occupied homes in Gans carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Gans has an owner-occupancy rate of 62% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Gans - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near Gans? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Sequoyah County and Sequoyah County had 87 active NFIP flood policies as of September 2026. See the full Sequoyah 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 | $139,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Sequoyah County | 87 |
| 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)