Home Insurance in Council Hill, Oklahoma
Homes in Council Hill carry a median value of $82,500 - 46% lower than the Muskogee County median.
The typical home in Council Hill was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 1 point below Muskogee County's 26%.
The housing stock in Council Hill is 50% single-family homes and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Council Hill, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Council Hill are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Council Hill - 67% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Muskogee County had 158 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Muskogee 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 | $82,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Muskogee County | 158 |
| 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)