Home Insurance in Granite, Oklahoma
The median home value in Granite is $104,600, close to the Greer County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Granite was built around 1973. About 33% of homes were built before 1960, about 11 points below Greer County's 44%.
In Granite, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Granite, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Granite has an owner-occupancy rate of 67% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
67% of homes in Granite are primarily heated with natural gas.
Greer County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Greer County had 4 active NFIP flood policies as of September 2026. See the full Greer 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 | $104,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Greer County | 4 |
| 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)