Home Insurance in Canute, Oklahoma
With a median home value of $99,000, Canute is 16% 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 Canute was built around 1972. About 38% of homes were built before 1960, about 7 points below Washita County's 44%.
In Canute, the housing stock is 74% single-family homes and 26% 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 Canute carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Canute has an owner-occupancy rate of 87% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Canute - 62% - are primarily heated with natural gas.
What's the biggest home insurance risk near Canute? FEMA's National Risk Index points to hail (Relatively Moderate) in Washita County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $99,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)