Home Insurance in Crowder, Oklahoma
The median home value in Crowder is $120,600, 23% lower than the Pittsburg County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Crowder was built around 1972. About 38% of homes were built before 1960, about 16 points above Pittsburg County's 22%.
In Crowder, the housing stock is 90% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Crowder have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Crowder are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Crowder, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Crowder? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Pittsburg County and Pittsburg County had 79 active NFIP flood policies as of September 2026. See the full Pittsburg 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 | $120,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Pittsburg County | 79 |
| 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)