Home Insurance in Konawa, Oklahoma
With a median home value of $53,800, Konawa is 46% lower than the Seminole County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Konawa was built around 1971. About 37% of homes were built before 1960, about 7 points above Seminole County's 30%.
The housing stock in Konawa is 84% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Konawa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Konawa are owner-occupied.
Most homes in Konawa - 56% - are primarily heated with natural gas.
What's the biggest home insurance risk near Konawa? FEMA's National Risk Index points to hail (Relatively High) in Seminole County and Seminole County had 35 active NFIP flood policies as of September 2026. See the full Seminole 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 | $53,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Seminole County | 35 |
| 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)