Home Insurance in Tupelo, Oklahoma
The median home value in Tupelo is $63,900, 45% lower than the Coal County median.
The typical home in Tupelo was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 2 points above Coal County's 25%.
In Tupelo, the housing stock is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Tupelo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tupelo has an owner-occupancy rate of 77% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Tupelo, 59% of homes are primarily heated with electricity.
FEMA rates Coal County's overall risk as Very Low, led by hail (Relatively High). Coal County had 4 active NFIP flood policies as of September 2026. See the full Coal County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $63,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Coal County | 4 |
| 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)