Home Insurance in Stonewall, Oklahoma
With a median home value of $82,500, Stonewall is 53% lower than the Pontotoc County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Stonewall was built around 1971. About 36% of homes were built before 1960, about 14 points above Pontotoc County's 23%.
The housing stock in Stonewall is 79% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Stonewall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Stonewall are owner-occupied.
63% of homes in Stonewall are primarily heated with natural gas.
FEMA rates Pontotoc County's overall risk as Relatively Low, led by hail (Relatively Moderate). Pontotoc County had 16 active NFIP flood policies as of September 2026. See the full Pontotoc 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 | $82,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pontotoc County | 16 |
| 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)