Home Insurance in Spavinaw, Oklahoma
The median home value in Spavinaw is $67,900, 64% lower than the Mayes County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Spavinaw was built around 1964. About 42% of homes were built before 1960, about 25 points above Mayes County's 17%.
The housing stock in Spavinaw is 79% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Spavinaw, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Spavinaw has an owner-occupancy rate of 57% and a vacancy rate of 40%; 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. 46% of homes in Spavinaw are primarily heated with natural gas.
What's the biggest home insurance risk near Spavinaw? FEMA's National Risk Index points to strong wind (Relatively High) in Mayes County and Mayes County had 81 active NFIP flood policies as of September 2026. See the full Mayes 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 | $67,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Mayes County | 81 |
| 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)