Home Insurance in Macomb, Oklahoma
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Macomb was built around 1980. About 25% of homes were built before 1960, about 3 points above Pottawatomie County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Macomb is 50% single-family homes and 50% mobile or manufactured homes.
Almost no owner-occupied homes in Macomb carry a mortgage.
All occupied homes in Macomb are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Macomb, 100% of homes are primarily heated with electricity.
Pottawatomie County had 128 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Pottawatomie 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 year built | 1980 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Pottawatomie County | 128 |
| 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)