Home Insurance in Mangum, Oklahoma
The median home value in Mangum is $96,500, 12% lower than the Greer County median.
The typical home in Mangum was built around 1959. About 51% of homes were built before 1960, about 7 points above Greer County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Mangum, the housing stock is 91% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Mangum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Mangum are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mangum, 84% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Mangum? FEMA's National Risk Index points to wildfire (Relatively Low) in Greer County and Greer County had 4 active NFIP flood policies as of September 2026. See the full Greer 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 | $96,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Greer 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)