Home Insurance in Hollis, Oklahoma
The median home value in Hollis is $64,000, 20% lower than the Harmon County median.
The typical home in Hollis was built around 1960. About 50% of homes were built before 1960, about 7 points above Harmon County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hollis, the housing stock is 86% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hollis, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Hollis are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Hollis are primarily heated with natural gas.
Harmon County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Harmon County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Oklahoma, the statewide average premium for a standard HO-3 homeowners policy is $2,486 per year (NAIC, 2023 data).
Key figures
| Median home value | $64,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Harmon County | 5 |
| 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)