Home Insurance in Dewar, Oklahoma
With a median home value of $92,800, Dewar is 23% lower than the Okmulgee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dewar was built around 1975. About 23% of homes were built before 1960, about 9 points below Okmulgee County's 32%.
The housing stock in Dewar is 72% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Dewar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dewar has an owner-occupancy rate of 84% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Dewar - 57% - are primarily heated with natural gas.
Okmulgee County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Okmulgee County had 63 active NFIP flood policies as of September 2026. See the full Okmulgee County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $92,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Okmulgee County | 63 |
| 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)