Home Insurance in Ames, Oklahoma
With a median home value of $95,900, Ames is 36% lower than the Major County median.
The typical home in Ames was built around 1973. About 15% of homes were built before 1960, about 14 points below Major County's 29%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ames is 95% single-family homes and 5% mobile or manufactured homes.
In Ames, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Ames are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Ames are primarily heated with electricity.
Major County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Major County had 12 active NFIP flood policies as of September 2026. See the full Major County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $95,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Major County | 12 |
| 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)