Home Insurance in Warwick, Oklahoma
The typical home in Warwick was built around 1999. About 21% of homes were built before 1960, about 4 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.
The housing stock in Warwick is 67% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in Warwick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warwick has an owner-occupancy rate of 89% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Warwick, 61% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Warwick? 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 year built | 1999 |
|---|---|
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)