Home Insurance in Mayes County, Oklahoma
Homes in Mayes County carry a median value of $188,200 - 6% lower than the Oklahoma median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mayes County was built around 1981. About 17% of homes were built before 1960, about 4 points below Oklahoma's 21%.
The housing stock in Mayes County is 74% single-family homes, 4% 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 46% of owner-occupied homes in Mayes County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mayes County has an owner-occupancy rate of 74% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Mayes County are primarily heated with electricity.
The top hazards for Mayes County, per FEMA's National Risk Index, are strong wind (Relatively High), tornado (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Mayes County has 81 active NFIP flood policies on file.
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 | $188,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 81 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Adair
- Chouteau
- Disney
- Grand Lake Towne
- Langley
- Locust Grove
- Pensacola
- Pryor Creek
- Salina
- Spavinaw
- Sportsmen Acres
- Strang
Sources
- 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)