Home Insurance in McLoud, Oklahoma
Homes in McLoud carry a median value of $157,400 - close to the Pottawatomie County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McLoud was built around 1986. About 13% of homes were built before 1960, about 9 points below Pottawatomie County's 22%.
The housing stock in McLoud is 75% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in McLoud have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in McLoud are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in McLoud are primarily heated with electricity.
Pottawatomie County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Pottawatomie County had 128 active NFIP flood policies as of September 2026. See the full Pottawatomie 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 | $157,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)