Home Insurance in Mountain Park, Oklahoma
With a median home value of $66,300, Mountain Park is 31% 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 Mountain Park was built around 1975. About 29% of homes were built before 1960, about 19 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 Mountain Park is 65% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
15% of owner-occupied homes in Mountain Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Mountain Park are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mountain Park, 63% 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 | $66,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 52% |
| 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)