Home Insurance in Disney, Oklahoma
The median home value in Disney is $160,400, 15% lower than the Mayes County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Disney was built around 1971. About 26% of homes were built before 1960, about 9 points above Mayes County's 17%.
The housing stock in Disney is 85% 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.
40% of owner-occupied homes in Disney carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Disney has an owner-occupancy rate of 77% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Disney - 67% - are primarily heated with electricity.
FEMA rates Mayes County's overall risk as Relatively Low, led by strong wind (Relatively High). Mayes County had 81 active NFIP flood policies as of September 2026. See the full Mayes 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 | $160,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Mayes County | 81 |
| 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)