Home Insurance in Lindsay, Oklahoma
The median home value in Lindsay is $112,200, 24% lower than the Garvin County median.
The typical home in Lindsay was built around 1970. About 25% of homes were built before 1960, about 1 point below Garvin County's 27%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lindsay is 78% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lindsay, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Lindsay are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Lindsay are primarily heated with natural gas.
FEMA rates Garvin County's overall risk as Relatively Low, led by hail (Relatively Moderate). Garvin County had 102 active NFIP flood policies as of September 2026. See the full Garvin 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 | $112,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Garvin County | 102 |
| 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)