Home Insurance in Morris, Oklahoma
With a median home value of $114,800, Morris is 5% lower than the Okmulgee County median.
The typical home in Morris was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 15 points below Okmulgee County's 32%.
The housing stock in Morris is 72% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Morris, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Morris has an owner-occupancy rate of 58% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Morris, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Morris? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Okmulgee County and 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.
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 | $114,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)