Home Insurance in Gotebo, Oklahoma
The median home value in Gotebo is $116,300, 21% higher than the Kiowa County median.
The median home in Gotebo was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 73% of homes were built before 1960, about 25 points above Kiowa County's 48%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gotebo is 97% single-family homes and 3% mobile or manufactured homes.
In Gotebo, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gotebo has an owner-occupancy rate of 72% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
59% of homes in Gotebo are primarily heated with natural gas.
Kiowa County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Kiowa County had 13 active NFIP flood policies as of September 2026. See the full Kiowa 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 | $116,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Kiowa County | 13 |
| 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)