Home Insurance in Davenport, Oklahoma
With a median home value of $92,000, Davenport is 45% lower than the Lincoln County median.
The typical home in Davenport was built around 1976. About 27% of homes were built before 1960, about 9 points above Lincoln County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Davenport, the housing stock is 80% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Davenport, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Davenport are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Davenport, 55% of homes are primarily heated with natural gas.
Lincoln County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $92,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)