Home Insurance in Murray County, Oklahoma
With a median home value of $159,800, Murray County is 20% lower than the Oklahoma median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Murray County was built around 1980. About 19% of homes were built before 1960, about 2 points below Oklahoma's 21%.
The housing stock in Murray County is 77% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Murray County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Murray County are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Murray County - 56% - 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.
The top hazards for Murray County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Murray County has 7 active NFIP flood policies on file.
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 | $159,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)