Home Insurance in Leedey, Oklahoma
Homes in Leedey carry a median value of $107,600 - 19% lower than the Dewey County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Leedey was built around 1966. About 42% of homes were built before 1960, about 10 points above Dewey County's 32%.
In Leedey, the housing stock is 87% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Leedey have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leedey has an owner-occupancy rate of 83% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Leedey are primarily heated with propane.
Dewey County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Dewey County has no active NFIP flood policies on file. See the full Dewey 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 | $107,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)