Home Insurance in Ochelata, Oklahoma
Homes in Ochelata carry a median value of $96,300 - 44% lower than the Washington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ochelata was built around 1976. About 19% of homes were built before 1960, about 15 points below Washington County's 34%.
The housing stock in Ochelata is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Ochelata carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Ochelata are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Ochelata are primarily heated with natural gas. Homes heated with propane 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 Ochelata? FEMA's National Risk Index points to tornado (Relatively High) in Washington County and 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 | $96,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)