Home Insurance in Gate, Oklahoma
The typical home in Gate was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 54% of homes were built before 1960, about 16 points above Beaver County's 38%.
Housing in Gate breaks down to 100% single-family homes.
Almost no owner-occupied homes in Gate carry a mortgage.
The vacancy rate is 75%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Gate are owner-occupied.
Most homes in Gate - 81% - are primarily heated with electricity.
Beaver County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Beaver County had 7 active NFIP flood policies as of September 2026. See the full Beaver 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 year built | 1958 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Beaver County | 7 |
| 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)