Home Insurance in Hennessey, Oklahoma
With a median home value of $161,500, Hennessey is 25% lower than the Kingfisher County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hennessey was built around 1973. About 26% of homes were built before 1960, in line with Kingfisher County (25%).
In Hennessey, the housing stock is 81% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hennessey, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Hennessey are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hennessey, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Hennessey? FEMA's National Risk Index points to hail (Relatively Moderate) in Kingfisher County and Kingfisher County had 47 active NFIP flood policies as of September 2026. See the full Kingfisher 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 | $161,500 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Kingfisher County | 47 |
| 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)