Home Insurance in Kingston, Oklahoma
Homes in Kingston carry a median value of $124,500 - 24% lower than the Marshall County median.
The typical home in Kingston was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 3 points above Marshall County's 10%.
The housing stock in Kingston is 70% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Kingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kingston has an owner-occupancy rate of 54% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Kingston - 61% - are primarily heated with electricity.
Marshall County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Marshall 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 | $124,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Marshall County | 10 |
| 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)