Home Insurance in Carney, Oklahoma
With a median home value of $96,300, Carney is 42% lower than the Lincoln County median.
The typical home in Carney was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 2 points below Lincoln County's 18%.
In Carney, the housing stock is 74% single-family homes, 2% 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.
43% of owner-occupied homes in Carney carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carney has an owner-occupancy rate of 72% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
64% of homes in Carney are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Carney? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Lincoln County and Lincoln County had 15 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $96,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Lincoln County | 15 |
| 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)