Home Insurance in Optima, Oklahoma
Homes in Optima carry a median value of $32,500 - 80% lower than the Texas County median.
The typical home in Optima was built around 1991. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 22 points below Texas County's 25%.
The housing stock in Optima is 20% single-family homes and 80% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
9% of owner-occupied homes in Optima carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Optima are owner-occupied.
61% of homes in Optima are primarily heated with natural gas.
FEMA rates Texas County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 | $32,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)