InsureWatch

74365

High68

Kenwood, Oklahoma — Mayes County

Pop. 4,589Median Income $56,343Median Home $120,100
0/ 100High Risk

2025 Estimated Premium

$2,414/yr

+13.5% from 2022 actual ($2,128)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,128

+4.8%

2018–2025

Nonrenewal Rate

0.91%

2018–2022

Claim Frequency

3.4%

Avg Claim Amount

$12,225

Score Breakdown

Premium Level (25%)80
Premium Trend (20%)74
Nonrenewal Risk (20%)48
Storm Exposure (15%)80
Affordability (10%)85
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201819 events
Property damage$107,000
2 tornado4 hail2 flood
19
201925 events
Property damage$87,000
8 tornado5 hail3 flood
20
202036 events
Property damage$1,064,000
1 tornado16 hail2 flood
21
20213 events
Property damage$31,000
1 hail
22
202213 events
Property damage$175,000
3 hail3 flood
23
202328 events1 fatalities
Property damage$1,261,000
2 tornado4 hail2 flood
24
202413 events2 fatalities
Property damage$9,820,000
3 tornado5 hail
25
202512 events
Property damage$510,000
3 tornado4 hail

Nearby ZIP Codes

74366Kenwood, OK
67High
74364Teresita, OK
70High
74342Kenwood, OK
60Elevated
74350Langley, OK
70High
74352Snake Creek, OK
63High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.