Home Insurance in Silo, Oklahoma
The median home value in Silo is $168,400, close to the Bryan County median.
The typical home in Silo was built around 1984. About 3% of homes were built before 1960, about 10 points below Bryan County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Silo breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 48% of owner-occupied homes in Silo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Silo are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Silo - 87% - are primarily heated with electricity.
FEMA rates Bryan County's overall risk as Relatively Low, led by tornado (Relatively High). Bryan County had 36 active NFIP flood policies as of September 2026. See the full Bryan 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 | $168,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Bryan County | 36 |
| 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)