Home Insurance in Webbers Falls, Oklahoma
With a median home value of $110,500, Webbers Falls is 28% 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 Webbers Falls was built around 1975. About 29% of homes were built before 1960, about 3 points above Muskogee County's 26%.
In Webbers Falls, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Webbers Falls carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Webbers Falls has an owner-occupancy rate of 85% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Webbers Falls - 50% - are primarily heated with natural gas.
FEMA rates Muskogee County's overall risk as Relatively Moderate, led by hail (Relatively High). 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.
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 | $110,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)