Home Insurance in Krebs, Oklahoma
Homes in Krebs carry a median value of $106,100 - 32% lower than the Pittsburg County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Krebs was built around 1972. About 27% of homes were built before 1960, about 5 points above Pittsburg County's 22%.
In Krebs, the housing stock is 71% single-family homes, 1% apartments in buildings with 5+ units and 16% 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 49% of owner-occupied homes in Krebs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Krebs are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Krebs, 55% of homes are primarily heated with electricity.
Pittsburg County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Pittsburg County had 79 active NFIP flood policies as of September 2026. See the full Pittsburg 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 | $106,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pittsburg County | 79 |
| 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)