Home Insurance in Kendrick, Oklahoma
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kendrick was built around 1980. About 26% of homes were built before 1960, about 8 points above Lincoln County's 18%.
In Kendrick, the housing stock is 89% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in Kendrick carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kendrick has an owner-occupancy rate of 84% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
70% of homes in Kendrick 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.
Lincoln County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median year built | 1980 |
|---|---|
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)