Home Insurance in Maysville, Oklahoma
Homes in Maysville carry a median value of $152,400 - 40% lower than the McClain County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Maysville was built around 1971. About 27% of homes were built before 1960, about 18 points above McClain County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Maysville is 92% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Maysville, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Maysville are owner-occupied.
In Maysville, 54% of homes are primarily heated with electricity.
McClain County had 74 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full McClain 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 | $152,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in McClain County | 74 |
| 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)