Home Insurance in Kiefer, Oklahoma
With a median home value of $222,500, Kiefer is 22% higher than the Creek County median.
The typical home in Kiefer was built around 2005. About 7% of homes were built before 1960, about 8 points below Creek County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Kiefer, the housing stock is 91% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 71% of owner-occupied homes in Kiefer have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kiefer has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
52% of homes in Kiefer are primarily heated with natural gas.
What's the biggest home insurance risk near Kiefer? FEMA's National Risk Index points to hail (Relatively High) in Creek County and Creek County had 110 active NFIP flood policies as of September 2026. See the full Creek 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 | $222,500 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Creek County | 110 |
| 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)