Home Insurance in Keyes, Oklahoma
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Keyes was built around 1967. About 33% of homes were built before 1960, about 12 points below Cimarron County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Keyes is 86% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Keyes, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 85% of occupied homes in Keyes are owner-occupied. The vacancy rate is 61%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Keyes are primarily heated with natural gas.
Cimarron County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Cimarron 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 year built | 1967 |
|---|---|
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)