Home Insurance in West Siloam Springs, Oklahoma
With a median home value of $183,800, West Siloam Springs is close to the Delaware County median.
The typical home in West Siloam Springs was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 4 points above Delaware County's 11%.
In West Siloam Springs, the housing stock is 66% single-family homes, 2% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in West Siloam Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
West Siloam Springs has an owner-occupancy rate of 76% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In West Siloam Springs, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near West Siloam Springs? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Delaware County and Delaware County had 100 active NFIP flood policies as of September 2026. See the full Delaware 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 | $183,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Delaware County | 100 |
| 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)