Home Insurance in Pond Creek, Oklahoma
The median home value in Pond Creek is $153,300, 45% higher than the Grant County median.
The typical home in Pond Creek was built around 1975. About 34% of homes were built before 1960, about 7 points below Grant County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Pond Creek is 90% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pond Creek, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pond Creek has an owner-occupancy rate of 72% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Pond Creek - 62% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Grant County's overall risk as Very Low, led by hail (Relatively Low). Grant County had 4 active NFIP flood policies as of September 2026. See the full Grant 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 | $153,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Grant County | 4 |
| 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)