Home Insurance in Midwest City, Oklahoma
With a median home value of $164,500, Midwest City is 26% lower than the Oklahoma County median.
The typical home in Midwest City was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 2 points above Oklahoma County's 24%.
Housing in Midwest City breaks down to 78% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Midwest City, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Midwest City are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Midwest City, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Midwest City? FEMA's National Risk Index points to hail (Very High) in Oklahoma County and Oklahoma County had 1,482 active NFIP flood policies as of September 2026. See the full Oklahoma 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 | $164,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Oklahoma County | 1,482 |
| 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)