Home Insurance in Muskogee County, Oklahoma
With a median home value of $153,200, Muskogee County is 23% lower than the Oklahoma median.
The typical home in Muskogee County was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 5 points above Oklahoma's 21%.
The housing stock in Muskogee County is 76% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Muskogee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Muskogee County has an owner-occupancy rate of 67% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Muskogee County, 55% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively High), tornado (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for Muskogee County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Muskogee County has 158 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 | $153,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 158 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
- Boynton
- Braggs
- Council Hill
- Fort Gibson
- Haskell
- Muskogee
- Oktaha
- Porum
- Summit
- Taft
- Wainwright
- Warner
- Webbers Falls
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)