Home Insurance in Porter, Oklahoma
The median home value in Porter is $104,100, 56% lower than the Wagoner County median.
The typical home in Porter was built around 1985. About 14% of homes were built before 1960, about 7 points above Wagoner County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Porter, the housing stock is 67% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Porter have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Porter has an owner-occupancy rate of 72% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
49% of homes in Porter are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Wagoner County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wagoner County had 244 active NFIP flood policies as of September 2026. See the full Wagoner 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 | $104,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wagoner County | 244 |
| 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)