Home Insurance in Gore, Oklahoma
The median home value in Gore is $205,200, 47% higher than the Sequoyah County median.
The typical home in Gore was built around 1988. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 4 points below Sequoyah County's 9%.
The housing stock in Gore is 68% single-family homes, 2% apartments in buildings with 5+ units and 17% 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.
55% of owner-occupied homes in Gore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Gore are owner-occupied.
In Gore, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Gore? 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.
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 | $205,200 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)