Home Insurance in South Coffeyville, Oklahoma
With a median home value of $102,700, South Coffeyville is 25% lower than the Nowata County median.
The typical home in South Coffeyville was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 8 points below Nowata County's 33%.
The housing stock in South Coffeyville is 75% single-family homes, 2% 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.
In South Coffeyville, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in South Coffeyville are owner-occupied.
In South Coffeyville, 70% of homes are primarily heated with natural gas.
Nowata County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $102,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)