Home Insurance in Guymon, Oklahoma
The median home value in Guymon is $182,000, 11% higher than the Texas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Guymon was built around 1976. About 20% of homes were built before 1960, about 5 points below Texas County's 25%.
The housing stock in Guymon is 67% single-family homes, 12% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Guymon, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Guymon has an owner-occupancy rate of 62% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Guymon - 68% - are primarily heated with natural gas.
Texas County had 17 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Texas 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 | $182,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Texas County | 17 |
| 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)