Home Insurance in Manitou, Oklahoma
The median home value in Manitou is $41,600, 48% lower than the Tillman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manitou was built around 1948. About 63% of homes were built before 1960, about 20 points above Tillman County's 43%.
The housing stock in Manitou is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 11% of owner-occupied homes in Manitou have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Manitou has an owner-occupancy rate of 89% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Manitou - 71% - are primarily heated with natural gas.
FEMA rates Tillman County's overall risk as Very Low, led by hail (Relatively Low). 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 home value | $41,600 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)