Home Insurance in Lone Chimney, Oklahoma
The median home value in Lone Chimney is $215,000, 63% higher than the Pawnee County median.
The typical home in Lone Chimney was built around 1975. About 5% of homes were built before 1960, about 18 points below Pawnee County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lone Chimney is 89% single-family homes and 11% mobile or manufactured homes.
In Lone Chimney, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lone Chimney has an owner-occupancy rate of 83% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Lone Chimney, 50% of homes are primarily heated with natural gas.
Pawnee County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Pawnee 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 | $215,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Pawnee County | 5 |
| 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)