Home Insurance in North Miami, Oklahoma
With a median home value of $62,300, North Miami is 49% lower than the Ottawa County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Miami was built around 1957. About 54% of homes were built before 1960, about 22 points above Ottawa County's 32%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in North Miami is 82% single-family homes and 16% mobile or manufactured homes.
About 24% of owner-occupied homes in North Miami have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in North Miami are owner-occupied.
69% of homes in North Miami are primarily heated with natural gas.
Ottawa County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Ottawa County had 223 active NFIP flood policies as of September 2026. See the full Ottawa 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 | $62,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Ottawa County | 223 |
| 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)