Home Insurance in Le Flore, Oklahoma
With a median home value of $68,100, Le Flore is 50% lower than the Le Flore County median.
The typical home in Le Flore was built around 1975. About 32% of homes were built before 1960, about 16 points above Le Flore County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Le Flore, the housing stock is 68% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Le Flore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Le Flore are owner-occupied.
Most homes in Le Flore - 69% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Le Flore County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $68,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)