Home Insurance in Dacoma, Oklahoma
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dacoma was built around 1960. About 50% of homes were built before 1960, in line with Woods County (51%).
In Dacoma, the housing stock is 83% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Dacoma carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Dacoma are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dacoma, 93% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dacoma? FEMA's National Risk Index points to wildfire (Relatively Low) in Woods County and Woods County had 3 active NFIP flood policies as of September 2026. See the full Woods 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 year built | 1960 |
|---|---|
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Woods County | 3 |
| 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)