Home Insurance in Stilwell, Oklahoma
With a median home value of $101,600, Stilwell is 14% lower than the Adair County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stilwell was built around 1980. About 12% of homes were built before 1960, about 2 points below Adair County's 14%.
In Stilwell, the housing stock is 63% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Stilwell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stilwell has an owner-occupancy rate of 46% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 53% of homes in Stilwell are primarily heated with natural gas.
Adair County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Adair County had 16 active NFIP flood policies as of September 2026. See the full Adair County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $101,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Adair County | 16 |
| 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)