Home Insurance in Porum, Oklahoma
The median home value in Porum is $103,300, 33% lower than the Muskogee County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Porum was built around 1984. About 21% of homes were built before 1960, about 5 points below Muskogee County's 26%.
The housing stock in Porum is 70% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Porum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Porum are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Porum - 54% - are primarily heated with electricity.
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 | $103,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)