Home Insurance in Kiowa County, Oklahoma
The median home value in Kiowa County is $96,100, 52% lower than the Oklahoma median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kiowa County was built around 1962. About 48% of homes were built before 1960, about 27 points above Oklahoma's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kiowa County is 87% single-family homes, 3% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Kiowa County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Kiowa County are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Kiowa County, 59% of homes are primarily heated with natural gas.
The top hazards for Kiowa County, per FEMA's National Risk Index, are hail (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Kiowa County has 13 active NFIP flood policies on file.
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 | $96,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 13 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)