Home Insurance in Delaware, Oklahoma
Homes in Delaware carry a median value of $41,400 - 70% lower than the Nowata County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Delaware was built around 1973. About 37% of homes were built before 1960, about 4 points above Nowata County's 33%.
In Delaware, the housing stock is 75% single-family homes and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Delaware have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Delaware are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Delaware, 47% of homes are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Nowata County's overall risk as Very Low, led by strong wind (Relatively High). Nowata County had 24 active NFIP flood policies as of September 2026. See the full Nowata 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 | $41,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Nowata County | 24 |
| 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)