Home Insurance in Foss, Oklahoma
With a median home value of $82,800, Foss is 30% lower than the Washita 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 Foss was built around 1972. About 36% of homes were built before 1960, about 8 points below Washita County's 44%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Foss is 73% single-family homes and 27% mobile or manufactured homes.
30% of owner-occupied homes in Foss carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Foss are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Foss, 33% of homes are primarily heated with electricity.
FEMA rates Washita County's overall risk as Very Low, led by hail (Relatively Moderate). 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.
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 | $82,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)