Home Insurance in Kemp, Oklahoma
With a median home value of $116,700, Kemp is 33% lower than the Bryan County median.
The typical home in Kemp was built around 1994. About 11% of homes were built before 1960, about 2 points below Bryan County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Kemp is 69% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kemp, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kemp has an owner-occupancy rate of 90% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Kemp, 55% of homes are primarily heated with electricity.
Bryan County had 36 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Bryan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $116,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Bryan County | 36 |
| 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)