Home Insurance in Braggs, Oklahoma
With a median home value of $95,000, Braggs is 38% lower than the Muskogee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Braggs was built around 1991. About 19% of homes were built before 1960, about 7 points below Muskogee County's 26%.
In Braggs, the housing stock is 64% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Braggs, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Braggs are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 73% of homes in Braggs are primarily heated with electricity.
Muskogee County had 158 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Muskogee 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 | $95,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Muskogee County | 158 |
| 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)