Home Insurance in Westville, Oklahoma
With a median home value of $68,500, Westville is 42% lower than the Adair County median.
The typical home in Westville was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 5 points above Adair County's 14%.
The housing stock in Westville is 66% single-family homes, 3% apartments in buildings with 5+ units and 9% 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.
54% of owner-occupied homes in Westville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Westville has an owner-occupancy rate of 44% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Westville - 58% - are primarily heated with natural gas.
FEMA rates Adair County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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.
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 | $68,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)