Home Insurance in Goltry, Oklahoma
Homes in Goltry carry a median value of $99,500 - close to the Alfalfa County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Goltry was built around 1958. About 52% of homes were built before 1960, in line with Alfalfa County (51%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Goltry is 86% single-family homes and 14% mobile or manufactured homes.
About 38% of owner-occupied homes in Goltry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Goltry are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Goltry - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Goltry? FEMA's National Risk Index points to hail (Relatively Low) in Alfalfa County and 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 | $99,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Alfalfa County | 34 |
| Home insurance premium | $2,486 - 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)