Home Insurance in Woods County, Oklahoma
The median home value in Woods County is $139,600, 30% lower than the Oklahoma median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Woods County was built around 1960. About 51% of homes were built before 1960, about 30 points above Oklahoma's 21%.
The housing stock in Woods County is 87% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Woods County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Woods County are owner-occupied.
Most homes in Woods County - 54% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Woods County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Woods County has 3 active NFIP flood policies on file.
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 | $139,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)