Homeowners Insurance in Durant, OK

For a home at Durant's median value of $163,200, we estimate about $1,890 a year — −24% versus the Oklahoma NAIC average of $2,486.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Durant

Est. premium

$1,890

$158/mo · median home

Median home value

$163,200

Oklahoma: $199,800

Median year built

1983

Census ACS

Owner-occupied

46.2%

of households

Hazard score

70.2

state ref. 87.7

Durant's estimate reflects its home values (18% lower than the state median) and FEMA's hazard profile for Bryan County.

Natural hazard risk in Durant

FEMA National Risk Index — Bryan County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	90.6	Comprehensive (car); roof claims (home)
Tornado	Relatively High	94.8	Comprehensive; dwelling
Hurricane	Very Low	46.3	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Low	54.1	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	60.5	Comprehensive; dwelling
Winter weather	Relatively Low	54.6	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	87.5	Comprehensive; dwelling
Earthquake	Relatively Low	63.9	Home needs a separate earthquake policy
Lightning	Relatively Moderate	79.2	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Durant

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,225	$2,050
$300,000	$3,080	$2,830
$500,000	$4,630	$4,260
$750,000	$6,405	$5,895

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Oklahoma · Car insurance in Durant · Insurance offices near Durant

Frequently asked questions

How much is homeowners insurance in Durant?

For a home at Durant's median value of $163,200, we estimate about $1,890 a year for a standard HO-3 policy with a $1,000 deductible. The Oklahoma NAIC average is $2,486.

What are the biggest natural hazards in Durant?

FEMA's National Risk Index rates Bryan County relatively high or very high for tornado.

Does the age of homes in Durant affect insurance?

Yes. The median home in Durant was built in 1983 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Oklahoma, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Bryan County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page