Home Insurance in Texas County, Oklahoma
The median home value in Texas County is $163,500, 18% lower than the Oklahoma median.
The typical home in Texas County was built around 1976. About 25% of homes were built before 1960, about 4 points above Oklahoma's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Texas County is 68% single-family homes, 8% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Texas County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Texas County has an owner-occupancy rate of 66% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Texas County - 65% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Texas County's top hazards are winter weather (Relatively High), wildfire (Relatively Low) and hail (Relatively Low).
As of September 2026, Texas County has 17 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $163,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
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)