Home Insurance in Wainwright, Oklahoma
Homes in Wainwright carry a median value of $76,700 - 50% lower than the Muskogee County median.
The typical home in Wainwright was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 4 points above 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 Wainwright is 43% single-family homes and 51% mobile or manufactured homes.
11% of owner-occupied homes in Wainwright carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 85% of occupied homes in Wainwright are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Wainwright are primarily heated with natural gas.
What's the biggest home insurance risk near Wainwright? FEMA's National Risk Index points to hail (Relatively High) in Muskogee County and 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 home value | $76,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)