Home Insurance in McCurtain, Oklahoma
With a median home value of $46,000, McCurtain is 67% lower than the Haskell County median.
The typical home in McCurtain was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 31 points above Haskell County's 17%.
The housing stock in McCurtain is 89% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McCurtain, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McCurtain has an owner-occupancy rate of 86% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in McCurtain - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near McCurtain? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Haskell County and Haskell County had 3 active NFIP flood policies as of September 2026. See the full Haskell 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 | $46,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Haskell County | 3 |
| 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)