Home Insurance in Davidson, Oklahoma
With a median home value of $40,500, Davidson is 49% lower than the Tillman County median.
The typical home in Davidson was built around 1955. About 60% of homes were built before 1960, about 17 points above Tillman County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Davidson, the housing stock is 87% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Davidson, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Davidson has an owner-occupancy rate of 78% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Davidson, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Davidson? FEMA's National Risk Index points to hail (Relatively Low) in Tillman County and Tillman County had 3 active NFIP flood policies as of September 2026. See the full Tillman 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 | $40,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Tillman County | 3 |
| 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)