Home Insurance in Wyandotte, Oklahoma
The median home value in Wyandotte is $78,100, 37% lower than the Ottawa County median.
The typical home in Wyandotte was built around 1983. About 24% of homes were built before 1960, about 8 points below Ottawa County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wyandotte, the housing stock is 63% single-family homes and 23% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Wyandotte have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wyandotte has an owner-occupancy rate of 66% and a vacancy rate of 13%; 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. 69% of homes in Wyandotte are primarily heated with electricity.
Ottawa County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Ottawa County had 223 active NFIP flood policies as of September 2026. See the full Ottawa 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 | $78,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Ottawa County | 223 |
| 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)