Home Insurance in Frederick, Oklahoma
With a median home value of $89,300, Frederick is 12% higher than the Tillman County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Frederick was built around 1964. About 37% of homes were built before 1960, about 7 points below Tillman County's 43%.
In Frederick, the housing stock is 92% single-family homes and 6% apartments in buildings with 5+ units.
39% of owner-occupied homes in Frederick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Frederick has an owner-occupancy rate of 70% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Frederick - 71% - are primarily heated with natural gas.
Tillman County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. 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.
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 | $89,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)