HomeInsuranceQts

Home Insurance in Knowles, Oklahoma

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Knowles was built around 1983. About 43% of homes were built before 1960, about 5 points above Beaver County's 38%.

In Knowles, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

Almost no owner-occupied homes in Knowles carry a mortgage.

Knowles has an owner-occupancy rate of 100% and a vacancy rate of 71%; unoccupied homes typically need a different coverage form.

In Knowles, 100% of homes 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.

FEMA rates Beaver County's overall risk as Very Low, led by wildfire (Relatively Low). 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 built1983
Owner-occupied share100%
Share of owner-occupied homes with a mortgage0%
Top county hazardWildfire (Relatively Low)
Active NFIP policies in Beaver County7
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Knowles, OK

Nearby towns

Sources

Data last updated: 2026-09-29