Home Insurance in Marland, Oklahoma
The median home value in Marland is $91,300, 38% lower than the Noble County median.
The typical home in Marland was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 21 points below Noble County's 33%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marland is 78% single-family homes and 22% mobile or manufactured homes.
In Marland, about 14% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marland has an owner-occupancy rate of 88% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
47% of homes in Marland are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Noble County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Noble County had 5 active NFIP flood policies as of September 2026. See the full Noble 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 | $91,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Noble County | 5 |
| 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)