Home Insurance in Boise City, Oklahoma
Homes in Boise City carry a median value of $67,100 - 32% lower than the Cimarron County median.
The typical home in Boise City was built around 1961. About 47% of homes were built before 1960, about 2 points above Cimarron County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Boise City, the housing stock is 84% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Boise City, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Boise City has an owner-occupancy rate of 65% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
Most homes in Boise City - 92% - are primarily heated with natural gas.
FEMA rates Cimarron County's overall risk as Relatively Low, led by wildfire (Relatively Low). Cimarron County has no active NFIP flood policies on file. See the full Cimarron 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 | $67,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 9% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)