Home Insurance in Loco, Oklahoma
With a median home value of $45,000, Loco is 69% lower than the Stephens County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Loco was built around 1977. About 16% of homes were built before 1960, about 11 points below Stephens County's 27%.
In Loco, the housing stock is 67% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Loco carry a mortgage.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Loco are owner-occupied.
In Loco, 57% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Loco? FEMA's National Risk Index points to hail (Relatively Moderate) in Stephens County and 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.
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 | $45,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)