Home Insurance in Hobart, Oklahoma
The median home value in Hobart is $71,100, 26% lower than the Kiowa County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hobart was built around 1955. About 56% of homes were built before 1960, about 8 points above Kiowa County's 48%.
Housing in Hobart breaks down to 87% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 32% of owner-occupied homes in Hobart have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Hobart are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Hobart are primarily heated with natural gas.
What's the biggest home insurance risk near Hobart? FEMA's National Risk Index points to hail (Relatively Moderate) in Kiowa County and 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 | $71,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)