Home Insurance in Lone Wolf, Oklahoma
The median home value in Lone Wolf is $72,800, 24% lower than the Kiowa County median.
The typical home in Lone Wolf was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 5 points below 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 Lone Wolf is 84% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
22% of owner-occupied homes in Lone Wolf carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lone Wolf has an owner-occupancy rate of 70% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Lone Wolf, 76% of homes are primarily heated with natural gas.
FEMA rates Kiowa County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $72,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)