Home Insurance in Haworth, Oklahoma
Homes in Haworth carry a median value of $33,400 - 77% lower than the McCurtain County median.
The typical home in Haworth was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 6 points above McCurtain County's 11%.
In Haworth, the housing stock is 62% single-family homes, 1% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Haworth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Haworth has an owner-occupancy rate of 58% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Haworth - 53% - are primarily heated with electricity.
What's the biggest home insurance risk near Haworth? FEMA's National Risk Index points to strong wind (Relatively High) in McCurtain County and McCurtain County had 37 active NFIP flood policies as of September 2026. See the full McCurtain 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 | $33,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in McCurtain County | 37 |
| 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)