Home Insurance in Dill City, Oklahoma
With a median home value of $47,500, Dill City is 60% lower than the Washita County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dill City was built around 1959. About 53% of homes were built before 1960, about 9 points above Washita County's 44%.
The housing stock in Dill City is 90% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Dill City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Dill City are owner-occupied.
In Dill City, 72% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dill City? FEMA's National Risk Index points to hail (Relatively Moderate) in Washita County and Washita County had 14 active NFIP flood policies as of September 2026. See the full Washita 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 | $47,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Washita County | 14 |
| 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)