HomeInsuranceQts

Home Insurance in Meridian, Oklahoma

The typical home in Meridian was built around 2008. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 8 points below Logan County's 16%.

In Meridian, the housing stock is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

Almost no owner-occupied homes in Meridian carry a mortgage.

All occupied homes in Meridian are owner-occupied. The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in Meridian are primarily heated with propane.

Logan County had 63 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 year built2008
Owner-occupied share100%
Share of owner-occupied homes with a mortgage0%
Top county hazardTornado (Relatively High)
Active NFIP policies in Logan County63
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Meridian, OK

Nearby towns

Sources

Data last updated: 2026-09-29