HomeInsuranceQts

Home Insurance in Summit, Oklahoma

The typical home in Summit was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 12 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 Summit is 42% single-family homes and 58% mobile or manufactured homes.

In Summit, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Summit has an owner-occupancy rate of 91% and a vacancy rate of 10%; 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. 67% of homes in Summit are primarily heated with electricity.

FEMA rates Muskogee County's overall risk as Relatively Moderate, led by hail (Relatively High). 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.

In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).

Key figures

Median year built1993
Owner-occupied share91%
Share of owner-occupied homes with a mortgage18%
Top county hazardHail (Relatively High)
Active NFIP policies in Muskogee County158
Home insurance premium$2,486 - statewide average (NAIC, 2023 data)
Key home insurance figures for Summit, OK

Nearby towns

Sources

Data last updated: 2026-09-29