Home Insurance in Washita County, Oklahoma
The median home value in Washita County is $118,400, 41% lower than the Oklahoma median.
The typical home in Washita County was built around 1964. About 44% of homes were built before 1960, about 23 points above Oklahoma's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Washita County is 85% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Washita County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Washita County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Washita County are primarily heated with natural gas.
The top hazards for Washita County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Washita County has 14 active NFIP flood policies on file.
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 | $118,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)