Home Insurance in Dougherty, Oklahoma
The median home value in Dougherty is $94,100, 41% lower than the Murray County median.
The typical home in Dougherty was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 5 points above Murray County's 19%.
In Dougherty, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Dougherty carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dougherty has an owner-occupancy rate of 66% and a vacancy rate of 18%; 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. In Dougherty, 49% of homes are primarily heated with electricity.
Murray County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Murray County had 7 active NFIP flood policies as of September 2026. See the full Murray County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $94,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Murray County | 7 |
| 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)