Home Insurance in Blackwell, Oklahoma
Homes in Blackwell carry a median value of $85,600 - 31% lower than the Kay County median.
The typical home in Blackwell was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 62% of homes were built before 1960, about 17 points above Kay County's 45%.
The housing stock in Blackwell is 90% single-family homes, 6% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Blackwell, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Blackwell are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blackwell, 89% of homes are primarily heated with natural gas.
Kay County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Kay County had 120 active NFIP flood policies as of September 2026. See the full Kay 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 | $85,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Kay County | 120 |
| 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)