Home Insurance in Vici, Oklahoma
With a median home value of $116,700, Vici is 13% lower than the Dewey County median.
The typical home in Vici was built around 1973. About 30% of homes were built before 1960, about 2 points below Dewey County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vici is 77% single-family homes and 19% mobile or manufactured homes.
In Vici, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Vici are owner-occupied.
In Vici, 49% of homes are primarily heated with natural gas.
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.
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 | $116,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)