Home Insurance in Willow, Oklahoma
With a median home value of $33,300, Willow is 69% lower than the Greer County median.
The typical home in Willow was built around 1946. About 78% of homes were built before 1960, about 34 points above Greer County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Willow is 95% single-family homes and 4% mobile or manufactured homes.
8% of owner-occupied homes in Willow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Willow has an owner-occupancy rate of 85% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Willow - 82% - 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.
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 | $33,300 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)