Home Insurance in Dewey County, Oklahoma
With a median home value of $133,600, Dewey County is 33% lower than the Oklahoma median.
The typical home in Dewey County was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 11 points above Oklahoma's 21%.
In Dewey County, the housing stock is 77% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Dewey County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dewey County has an owner-occupancy rate of 76% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Dewey County, 45% of homes 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.
Per FEMA's National Risk Index, Dewey County's top hazards are wildfire (Relatively Low), strong wind (Relatively Low) and hail (Relatively Low).
Dewey County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $133,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Strong Wind (Relatively Low), Hail (Relatively Low) |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)