Home Insurance in Deer Creek, Oklahoma
The median home in Deer Creek was built in 1939 or earlier. About 69% of homes were built before 1960, about 27 points above Grant County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Deer Creek breaks down to 100% single-family homes.
About 42% of owner-occupied homes in Deer Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 59%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Deer Creek are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Deer Creek - 83% - are primarily heated with natural gas.
Grant County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Grant County had 4 active NFIP flood policies as of September 2026. See the full Grant 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Grant 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)