Home Insurance in Ponca City, Oklahoma
Homes in Ponca City carry a median value of $135,800 - 9% higher than the Kay County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ponca City was built around 1964. About 43% of homes were built before 1960, about 2 points below Kay County's 45%.
Housing in Ponca City breaks down to 83% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
47% of owner-occupied homes in Ponca City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ponca City has an owner-occupancy rate of 62% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Ponca City, 74% of homes are primarily heated with natural gas.
FEMA rates Kay County's overall risk as Relatively Low, led by tornado (Relatively High). 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 | $135,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)