Home Insurance in Comanche, Oklahoma
With a median home value of $78,100, Comanche is 46% lower than the Stephens County median.
The typical home in Comanche was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 40% of homes were built before 1960, about 13 points above Stephens County's 27%.
In Comanche, the housing stock is 80% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in Comanche carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Comanche are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Comanche, 60% of homes are primarily heated with natural gas.
FEMA rates Stephens County's overall risk as Relatively Low, led by hail (Relatively Moderate). Stephens County had 66 active NFIP flood policies as of September 2026. See the full Stephens 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 | $78,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Stephens County | 66 |
| 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)