Home Insurance in Paradise Hill, Oklahoma
Homes in Paradise Hill carry a median value of $437,900 - 214% higher than the Sequoyah County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Paradise Hill was built around 1971. About 12% of homes were built before 1960, about 3 points above Sequoyah County's 9%.
In Paradise Hill, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Paradise Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Paradise Hill are owner-occupied. The vacancy rate is 60%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Paradise Hill - 54% - are primarily heated with propane.
FEMA rates Sequoyah County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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 | $437,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)