Home Insurance in Kaw City, Oklahoma
With a median home value of $124,200, Kaw City is close to the Kay County median.
The typical home in Kaw City was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 33 points below Kay County's 45%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kaw City is 72% single-family homes and 23% mobile or manufactured homes.
About 37% of owner-occupied homes in Kaw City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kaw City has an owner-occupancy rate of 91% and a vacancy rate of 45%; unoccupied homes typically need a different coverage form.
60% of homes in Kaw City are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Kaw City? FEMA's National Risk Index points to tornado (Relatively High) in Kay County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $124,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)