HomeInsuranceQts

Home Insurance in Bessie, Oklahoma

With a median home value of $82,500, Bessie is 30% lower than the Washita County median.

The typical home in Bessie was built around 1950. About 64% of homes were built before 1960, about 20 points above Washita County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In Bessie, the housing stock is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

38% of owner-occupied homes in Bessie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Bessie has an owner-occupancy rate of 87% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.

In Bessie, 85% of homes are primarily heated with natural gas.

FEMA rates Washita County's overall risk as Very Low, led by hail (Relatively Moderate). Washita County had 14 active NFIP flood policies as of September 2026. See the full Washita County home insurance overview for all FEMA hazard ratings and flood coverage details.

In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).

Key figures

Median home value$82,500
Median year built1950
Owner-occupied share87%
Share of owner-occupied homes with a mortgage38%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Washita County14
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Bessie, OK

Nearby towns

Sources

Data last updated: 2026-09-29