Home Insurance in Kildare, Oklahoma
With a median home value of $70,000, Kildare is 44% lower than the Kay County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kildare was built around 1967. About 38% of homes were built before 1960, about 7 points below Kay County's 45%.
In Kildare, the housing stock is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Kildare have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kildare has an owner-occupancy rate of 92% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
62% of homes in Kildare are primarily heated with natural gas.
What's the biggest home insurance risk near Kildare? 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.
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 | $70,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)