Home Insurance in Pawnee County, Oklahoma
With a median home value of $131,500, Pawnee County is 34% lower than the Oklahoma median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pawnee County was built around 1978. About 23% of homes were built before 1960, about 2 points above Oklahoma's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pawnee County is 72% single-family homes, 2% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
41% of owner-occupied homes in Pawnee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pawnee County has an owner-occupancy rate of 80% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
43% of homes in Pawnee County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Pawnee County's top hazards are wildfire (Relatively Low), tornado (Relatively Moderate) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Pawnee County has 5 active NFIP flood policies on file.
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 | $131,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Tornado (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Blackburn
- Cleveland
- Hallett
- Jennings
- Lone Chimney
- Maramec
- Mule Barn
- Pawnee
- Ralston
- Skedee
- Terlton
- Westport
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)