Home Insurance in Nowata, Oklahoma
With a median home value of $89,900, Nowata is 35% lower than the Nowata County median.
The typical home in Nowata was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 44% of homes were built before 1960, about 12 points above Nowata County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Nowata is 74% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Nowata, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nowata has an owner-occupancy rate of 61% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
64% of homes in Nowata are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $89,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)