Home Insurance in Purcell, Oklahoma
The median home value in Purcell is $171,600, 33% lower than the McClain County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Purcell was built around 1983. About 24% of homes were built before 1960, about 15 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 Purcell is 78% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
60% of owner-occupied homes in Purcell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Purcell are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Purcell - 58% - are primarily heated with natural gas.
What's the biggest home insurance risk near Purcell? FEMA's National Risk Index points to tornado (Relatively Moderate) in McClain County and McClain County had 74 active NFIP flood policies as of September 2026. See the full McClain 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 | $171,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)