Home Insurance in Tyrone, Oklahoma
With a median home value of $55,400, Tyrone is 66% lower than the Texas County median.
The typical home in Tyrone was built around 1991. About 11% of homes were built before 1960, about 13 points below Texas County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Tyrone is 31% single-family homes and 69% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tyrone, about 12% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tyrone has an owner-occupancy rate of 88% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Tyrone, 93% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $55,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)