Home Insurance in Hillsdale, Oklahoma
Homes in Hillsdale carry a median value of $65,000 - 59% lower than the Garfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hillsdale was built in 1939 or earlier. About 71% of homes were built before 1960, about 36 points above Garfield County's 36%.
The housing stock in Hillsdale is 91% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Hillsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Hillsdale are owner-occupied.
63% of homes in Hillsdale are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Garfield County's overall risk as Relatively Moderate, led by hail (Relatively Moderate). Garfield County had 108 active NFIP flood policies as of September 2026. See the full Garfield 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 | $65,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Garfield County | 108 |
| 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)