Home Insurance in Leon, Oklahoma
With a median home value of $112,500, Leon is 34% lower than the Love County median.
The typical home in Leon was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 18 points above Love County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leon is 71% single-family homes and 29% mobile or manufactured homes.
11% of owner-occupied homes in Leon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Leon has an owner-occupancy rate of 78% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Leon - 75% - 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.
Love County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Love County had 3 active NFIP flood policies as of September 2026. See the full Love 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 | $112,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Love County | 3 |
| 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)