Home Insurance in Okeene, Oklahoma
With a median home value of $112,000, Okeene is 12% lower than the Blaine County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Okeene was built around 1972. About 33% of homes were built before 1960, about 1 point above Blaine County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Okeene is 81% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Okeene, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Okeene are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Okeene - 62% - are primarily heated with natural gas.
Blaine County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Blaine County had 7 active NFIP flood policies as of September 2026. See the full Blaine County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $112,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Blaine 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)