HomeInsuranceQts

Home Insurance in Aline, Oklahoma

Homes in Aline carry a median value of $59,500 - 41% lower than the Alfalfa County median.

The typical home in Aline was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 15 points below Alfalfa County's 51%.

The housing stock in Aline is 93% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Aline, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Aline has an owner-occupancy rate of 87% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.

In Aline, 75% of homes are primarily heated with natural gas.

FEMA rates Alfalfa County's overall risk as Very Low, led by hail (Relatively Low). Alfalfa County had 34 active NFIP flood policies as of September 2026. See the full Alfalfa County home insurance overview for all FEMA hazard ratings and flood coverage details.

The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$59,500
Median year built1973
Owner-occupied share87%
Share of owner-occupied homes with a mortgage48%
Top county hazardHail (Relatively Low)
Active NFIP policies in Alfalfa County34
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Aline, OK

Nearby towns

Sources

Data last updated: 2026-09-29