Home Insurance in Marshall, Oklahoma
Homes in Marshall carry a median value of $33,100 - 87% lower than the Logan County median.
The typical home in Marshall was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 7 points above Logan County's 16%.
The housing stock in Marshall is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
12% of owner-occupied homes in Marshall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Marshall are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Marshall are primarily heated with electricity.
Logan County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Logan County had 63 active NFIP flood policies as of September 2026. See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $33,100 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Logan County | 63 |
| 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)