Homeowners Insurance & Natural Hazard Costs in Duncan
Duncan carries Oklahoma's real, statewide tornado risk and an elevated, hail/wind-driven homeowners-insurance climate, disclosed here without a Duncan-specific premium figure.
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Learn moreOklahoma's real, elevated insurance climate
No Duncan-specific premium data distinct from Oklahoma's own statewide figures was found this pass. Statewide, sources cite a cross-source spread of approximately $5,298-$8,766/year, with a separate source citing a $7,683/year statewide average and ranking Oklahoma the SECOND most expensive U.S. state for homeowners insurance.
A real, ongoing, statewide tornado and hail driver
Oklahoma led the nation with 151 tornadoes in 2024 and had the third-most hailstorms of any state (767); real 2026 statewide outbreaks (April 17-18 and April 23-28) reinforce the ongoing, current nature of this risk.
Confirm current, address-specific quotes
Given the lack of Duncan-specific premium data, confirm current, address-specific quotes directly with a carrier for any target property.
Key takeaways
- Oklahoma's statewide homeowners-insurance premiums ran a real, disclosed $5,298-$8,766/year cross-source spread.
- Oklahoma's real, statewide tornado and hail exposure (151 tornadoes, 767 hailstorms in 2024) is the primary cost driver.
- Confirm current, address-specific quotes directly with a carrier given the lack of Duncan-specific premium data.
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