InsureWatch

73628

High64

Cheyenne, Oklahoma — Roger Mills County

Pop. 1,601Median Income $52,458Median Home $145,200
0/ 100High Risk

2025 Estimated Premium

$3,449/yr

+12.6% from 2022 actual ($3,063)

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

Avg Premium (2022)

$3,063

+1.2%

2018–2025

Nonrenewal Rate

0.00%

2018–2022

Claim Frequency

4.8%

Avg Claim Amount

$32,366

Score Breakdown

Premium Level (25%)95
Premium Trend (20%)56
Nonrenewal Risk (20%)50
Storm Exposure (15%)45
Affordability (10%)97
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
20186 events
Property damage$5,000
2 hail1 flood
19
201912 events
Property damage$0
11 hail
20
202018 events
Property damage$1,500
8 hail
21
20214 events
Property damage$5,000
1 tornado2 hail
22
202212 events
Property damage$0
10 hail1 flood
23
202314 events1 fatalities
Property damage$257,000
2 tornado5 hail
24
202412 events
Property damage$25,000
5 tornado5 hail
25
202516 events
Property damage$130,000
2 tornado12 hail

Nearby ZIP Codes

73650Hammon, OK
68High
73644Elk City, OK
55Elevated

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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.