Home Insurance in Copan, Oklahoma
With a median home value of $107,400, Copan is 38% lower than the Washington County median.
The typical home in Copan was built around 1958. About 60% of homes were built before 1960, about 26 points above Washington County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Copan, the housing stock is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Copan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Copan are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Copan, 84% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Washington County had 193 active NFIP flood policies as of September 2026. See the full Washington 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 | $107,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Washington County | 193 |
| 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)