InsureWatch

73080

High64

Purcell, Oklahoma — McClain County

Pop. 10,037Median Income $75,545Median Home $191,800
0/ 100High Risk

2025 Estimated Premium

$3,167/yr

+9.3% from 2022 actual ($2,899)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,899

+0.2%

2018–2025

Nonrenewal Rate

0.84%

2018–2022

Claim Frequency

6.8%

Avg Claim Amount

$23,053

Score Breakdown

Premium Level (25%)94
Premium Trend (20%)51
Nonrenewal Risk (20%)43
Storm Exposure (15%)68
Affordability (10%)86
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201811 events
Property damage$40,000
2 tornado2 hail1 flood
19
201924 events
Property damage$37,000
2 tornado16 hail1 flood
20
202019 events
Property damage$400,000
10 hail1 flood
21
202112 events
Property damage$0
8 hail1 flood
22
20228 events
Property damage$75,000
1 tornado3 hail1 flood
23
202339 events1 fatalities
Property damage$4,391,000
11 tornado21 hail1 flood
24
202417 events
Property damage$5,271,000
6 tornado5 hail
25
202531 events
Property damage$1,078,000
4 tornado24 hail1 flood

Nearby ZIP Codes

73093Goldsby, OK
58Elevated
73051Slaughterville, OK
73High
73095Purcell, OK
64High
73068Slaughterville, OK
66High
73057Maysville, OK
70High

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.