Home Insurance in Stigler, Oklahoma
The median home value in Stigler is $163,900, 18% higher than the Haskell County median.
The typical home in Stigler was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 9 points above Haskell County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stigler is 79% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 48% of owner-occupied homes in Stigler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stigler has an owner-occupancy rate of 60% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Stigler, 53% of homes are primarily heated with natural gas.
FEMA rates Haskell County's overall risk as Very Low, led by wildfire (Relatively Moderate). Haskell County had 3 active NFIP flood policies as of September 2026. See the full Haskell 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 | $163,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Haskell County | 3 |
| 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)