Home Insurance in Coweta, Oklahoma
The median home value in Coweta is $205,700, 12% lower than the Wagoner County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Coweta was built around 1993. About 7% of homes were built before 1960, in line with Wagoner County (7%).
The housing stock in Coweta is 85% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 71% of owner-occupied homes in Coweta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Coweta are owner-occupied.
Most homes in Coweta - 68% - are primarily heated with natural gas.
Wagoner County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Wagoner County had 244 active NFIP flood policies as of September 2026. See the full Wagoner 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 | $205,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wagoner County | 244 |
| 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)