Home Insurance in Mooreland, Oklahoma
The median home value in Mooreland is $147,300, 13% lower than the Woodward County median.
The typical home in Mooreland was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 9 points above Woodward County's 24%.
The housing stock in Mooreland is 84% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
49% of owner-occupied homes in Mooreland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mooreland has an owner-occupancy rate of 76% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Mooreland - 76% - are primarily heated with natural gas.
Woodward County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Woodward County had 74 active NFIP flood policies as of September 2026. See the full Woodward 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 home value | $147,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Woodward County | 74 |
| 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)