Home Insurance in Howe, Oklahoma
With a median home value of $108,600, Howe is 20% lower than the Le Flore County median.
The typical home in Howe was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 5 points below Le Flore County's 17%.
The housing stock in Howe is 67% single-family homes, 7% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Howe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Howe has an owner-occupancy rate of 68% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Howe, 60% of homes are primarily heated with electricity.
FEMA rates Le Flore County's overall risk as Relatively Moderate, led by wildfire (Relatively Moderate). Le Flore County had 85 active NFIP flood policies as of September 2026. See the full Le Flore County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $108,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Le Flore County | 85 |
| 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)