Home Insurance in Moore, Oklahoma
With a median home value of $204,500, Moore is 13% lower than the Cleveland County median.
The typical home in Moore was built around 1987. About 3% of homes were built before 1960, about 4 points below Cleveland County's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Moore, the housing stock is 86% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Moore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Moore are owner-occupied.
Most homes in Moore - 68% - are primarily heated with natural gas.
Cleveland County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Cleveland County had 637 active NFIP flood policies as of September 2026. See the full Cleveland 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 | $204,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Cleveland County | 637 |
| 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)