Home Insurance in Pawnee, Oklahoma
Homes in Pawnee carry a median value of $99,300 - 24% lower than the Pawnee County median.
The typical home in Pawnee was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 16 points above Pawnee County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pawnee is 84% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
41% of owner-occupied homes in Pawnee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Pawnee are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pawnee, 75% of homes are primarily heated with natural gas.
Pawnee County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Pawnee County had 5 active NFIP flood policies as of September 2026. See the full Pawnee 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 | $99,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)