Home Insurance in Muldrow, Oklahoma
With a median home value of $114,300, Muldrow is 18% lower than the Sequoyah County median.
The typical home in Muldrow was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, in line with Sequoyah County (9%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Muldrow is 72% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Muldrow, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Muldrow are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Muldrow, 67% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Muldrow? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Sequoyah County and Sequoyah County had 87 active NFIP flood policies as of September 2026. See the full Sequoyah 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 | $114,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Sequoyah County | 87 |
| 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)