Home Insurance in Warner, Oklahoma
With a median home value of $108,600, Warner is 29% lower than the Muskogee County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Warner was built around 1985. About 13% of homes were built before 1960, about 13 points below Muskogee County's 26%.
The housing stock in Warner is 73% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Warner, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Warner has an owner-occupancy rate of 54% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
54% of homes in Warner are primarily heated with electricity.
Muskogee County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Muskogee County had 158 active NFIP flood policies as of September 2026. See the full Muskogee County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Oklahoma is $2,486 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $108,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)