Home Insurance in Foyil, Oklahoma
With a median home value of $99,400, Foyil is 59% lower than the Rogers County median.
The typical home in Foyil was built around 1996. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 2 points below Rogers County's 10%.
The housing stock in Foyil is 26% single-family homes, 4% apartments in buildings with 5+ units and 63% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Foyil carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Foyil has an owner-occupancy rate of 58% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Foyil - 70% - 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.
What's the biggest home insurance risk near Foyil? FEMA's National Risk Index points to wildfire (Relatively Low) in Rogers County and Rogers County had 275 active NFIP flood policies as of September 2026. See the full Rogers 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 | $99,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Rogers County | 275 |
| 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)