Home Insurance in Drumright, Oklahoma
The median home value in Drumright is $85,600, 53% lower than the Creek County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Drumright was built around 1971. About 33% of homes were built before 1960, about 17 points above Creek County's 15%.
In Drumright, the housing stock is 77% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Drumright, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Drumright are owner-occupied.
In Drumright, 63% of homes are primarily heated with natural gas.
Creek County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Creek County had 110 active NFIP flood policies as of September 2026. See the full Creek 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 | $85,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Creek County | 110 |
| 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)