Home Insurance in Oketo, Kansas
With a median home value of $160,400, Oketo is 26% higher than the Marshall County median.
The median home in Oketo was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 92% of homes were built before 1960, about 41 points above Marshall County's 51%.
The housing stock in Oketo is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 3% of owner-occupied homes in Oketo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oketo has an owner-occupancy rate of 90% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Oketo - 95% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Marshall County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $160,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $1,733 - 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)