Home Insurance in Liberty, Oklahoma
With a median home value of $181,300, Liberty is 50% higher than the Okmulgee County median.
The typical home in Liberty was built around 1987. About 10% of homes were built before 1960, about 21 points below Okmulgee County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Liberty, the housing stock is 79% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Liberty have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Liberty has an owner-occupancy rate of 74% and a vacancy rate of 14%; 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. In Liberty, 48% of homes are primarily heated with electricity.
FEMA rates Okmulgee County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Okmulgee County had 63 active NFIP flood policies as of September 2026. See the full Okmulgee County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $181,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Okmulgee County | 63 |
| 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)