Home Insurance in Okmulgee, Oklahoma
With a median home value of $98,400, Okmulgee is 19% lower than the Okmulgee County median.
The typical home in Okmulgee was built around 1960. About 50% of homes were built before 1960, about 19 points above Okmulgee County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Okmulgee breaks down to 79% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 46% of owner-occupied homes in Okmulgee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Okmulgee has an owner-occupancy rate of 51% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
62% of homes in Okmulgee are primarily heated with natural gas.
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.
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 | $98,400 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)