Home Insurance in Hardesty, Oklahoma
Homes in Hardesty carry a median value of $47,600 - 71% lower than the Texas County median.
The typical home in Hardesty was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 11 points below Texas County's 25%.
In Hardesty, the housing stock is 72% single-family homes, 1% apartments in buildings with 5+ units and 13% 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.
About 4% of owner-occupied homes in Hardesty have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hardesty has an owner-occupancy rate of 66% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
89% of homes in Hardesty are primarily heated with natural gas.
What's the biggest home insurance risk near Hardesty? FEMA's National Risk Index points to winter weather (Relatively High) in Texas County and Texas County had 17 active NFIP flood policies as of September 2026. See the full Texas County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $47,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 4% |
| 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)