Home Insurance in Fort Gibson, Oklahoma
With a median home value of $181,100, Fort Gibson is 18% higher than the Muskogee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fort Gibson was built around 1986. About 11% of homes were built before 1960, about 15 points below Muskogee County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fort Gibson is 74% single-family homes, 9% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Fort Gibson, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Fort Gibson are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Fort Gibson, 50% of homes are primarily heated with natural gas.
Muskogee County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Muskogee County had 158 active NFIP flood policies as of September 2026. 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 | $181,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)