Home Insurance in Seiling, Oklahoma
The median home value in Seiling is $163,600, 22% higher than the Dewey County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Seiling was built around 1972. About 30% of homes were built before 1960, about 2 points below Dewey County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Seiling is 84% single-family homes and 13% mobile or manufactured homes.
In Seiling, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Seiling are owner-occupied.
In Seiling, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Seiling? FEMA's National Risk Index points to wildfire (Relatively Low) in Dewey County and 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.
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 | $163,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)