Home Insurance in Burns Flat, Oklahoma
The median home value in Burns Flat is $106,600, 10% lower than the Washita 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 Burns Flat was built around 1957. About 71% of homes were built before 1960, about 27 points above Washita County's 44%.
Housing in Burns Flat breaks down to 80% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
24% of owner-occupied homes in Burns Flat carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Burns Flat are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Burns Flat - 90% - 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 | $106,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Washita County | 14 |
| 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)