Home Insurance in Spiro, Oklahoma
With a median home value of $100,700, Spiro is 26% lower than the Le Flore County median.
The typical home in Spiro was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 5 points above Le Flore County's 17%.
The housing stock in Spiro is 71% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Spiro, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Spiro are owner-occupied.
Most homes in Spiro - 53% - are primarily heated with natural gas.
What's the biggest home insurance risk near Spiro? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Le Flore County and 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 | $100,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)