Home Insurance in Lawrence Creek, Oklahoma
Homes in Lawrence Creek carry a median value of $156,300 - 14% lower than the Creek County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lawrence Creek was built around 1993. About 0% of homes were built before 1960, about 15 points below Creek County's 15%.
The housing stock in Lawrence Creek is 46% single-family homes and 54% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Lawrence Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lawrence Creek has an owner-occupancy rate of 84% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Lawrence Creek - 80% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Lawrence Creek? 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.
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 | $156,300 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)