Flood Risk & Insurance Costs in Kiowa County, OK

Understanding flood insurance options and risk factors in Kiowa County.

Median Home Value

$80,200

Est. NFIP Premium

$321/yr

Est. Private Premium

$241/yr

Potential Savings

$80/yr

NFIP vs. Private Flood Insurance

NFIP (Federal)

Annual Premium$321
Monthly Cost$27
Max Building Coverage$250,000
Max Contents Coverage$100,000

Private Flood Insurance

Annual Premium$241
Monthly Cost$20
Building CoverageUp to full value
Contents CoverageCustomizable

Flood Risk Context for Kiowa County

Kiowa County in Oklahoma has a median home value of $80,200 and median household income of $42,679. A major flood event could cause up to $20,050 in damage to a median-value home.

Flood insurance costs vary significantly based on your specific flood zone, elevation, building characteristics, and claims history. The estimates above are county-level approximations. Use our calculator for a personalized analysis with Monte Carlo simulation of 10,000 flood scenarios.

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Other Counties in Oklahoma

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: FEMA NFIP, state insurance departments. Estimates are county-level approximations and may not reflect specific properties or flood zones. This is not insurance advice.