Home Insurance in Loveland, Oklahoma
The typical home in Loveland was built around 1973. About 43% of homes were built before 1960, in line with Tillman County (43%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Loveland, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Loveland carry a mortgage.
About 57% of occupied homes in Loveland are owner-occupied.
Most homes in Loveland - 57% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Loveland? 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.
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 year built | 1973 |
|---|---|
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)