InsureWatch

73042

Elevated58

Gracemont, Oklahoma — Caddo County

Pop. 961Median Income $53,438Median Home $107,100
0/ 100Elevated Risk

2025 Estimated Premium

$2,425/yr

+8.0% from 2022 actual ($2,246)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,246

-7.6%

2018–2025

Nonrenewal Rate

1.37%

2018–2022

Claim Frequency

11.0%

Avg Claim Amount

$25,775

Score Breakdown

Premium Level (25%)83
Premium Trend (20%)12
Nonrenewal Risk (20%)72
Storm Exposure (15%)56
Affordability (10%)89
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$10,000
13 hail1 flood
19
201925 events
Property damage$17,000
9 hail8 flood
20
202022 events
Property damage$0
15 hail
21
202114 events
Property damage$160,000
4 tornado4 hail
22
202215 events
Property damage$140,000
2 tornado5 hail3 flood
23
202334 events
Property damage$130,000
1 tornado14 hail
24
202422 events
Property damage$70,000
3 tornado10 hail
25
202510 events
Property damage$0
8 hail

Nearby ZIP Codes

73009Binger, OK
67High
73092Verden, OK
68High
73005Anadarko, OK
62High
73079Pocasset, OK
60Elevated
73059Minco, OK
57Elevated

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.