Home Insurance in Braman, Oklahoma
With a median home value of $44,000, Braman is 65% lower than the Kay County median.
The typical home in Braman was built around 1958. About 55% of homes were built before 1960, about 10 points above Kay County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Braman is 86% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
14% of owner-occupied homes in Braman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Braman has an owner-occupancy rate of 89% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
86% of homes in Braman are primarily heated with natural gas.
Kay County had 120 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Kay 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 | $44,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)