Home Insurance in Wilson, Oklahoma
The median home value in Wilson is $102,500, 39% lower than the Carter County median.
The typical home in Wilson was built around 1975. About 28% of homes were built before 1960, about 3 points below Carter County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Wilson is 78% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wilson, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wilson has an owner-occupancy rate of 81% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
47% of homes in Wilson are primarily heated with electricity.
FEMA rates Carter County's overall risk as Relatively Low, led by tornado (Relatively High). Carter County had 40 active NFIP flood policies as of September 2026. See the full Carter 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 | $102,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Carter County | 40 |
| 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)