Home Insurance in Medicine Park, Oklahoma
Homes in Medicine Park carry a median value of $331,500 - 102% higher than the Comanche County median.
The typical home in Medicine Park was built around 2003. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 9 points above Comanche County's 22%.
The housing stock in Medicine Park is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Medicine Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Medicine Park are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Medicine Park - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Medicine Park? FEMA's National Risk Index points to strong wind (Relatively High) in Comanche County and Comanche County had 491 active NFIP flood policies as of September 2026. See the full Comanche County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $331,500 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Comanche County | 491 |
| 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)