Home Insurance in Millerton, Oklahoma
The median home value in Millerton is $72,900, 50% lower than the McCurtain County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Millerton was built around 1988. About 12% of homes were built before 1960, about 1 point above McCurtain County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Millerton is 67% single-family homes and 33% mobile or manufactured homes.
About 18% of owner-occupied homes in Millerton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Millerton has an owner-occupancy rate of 81% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Millerton - 67% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
McCurtain County had 37 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full McCurtain 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 | $72,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in McCurtain County | 37 |
| 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)