Home Insurance in Mountain View, Oklahoma
With a median home value of $68,400, Mountain View is 29% 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 View was built around 1956. About 56% of homes were built before 1960, about 8 points above Kiowa County's 48%.
The housing stock in Mountain View is 92% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Mountain View, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Mountain View are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mountain View - 71% - 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 | $68,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)