Home Insurance in Andrews County, Texas
With a median home value of $195,700, Andrews County is 31% lower than the Texas median.
The typical home in Andrews County was built around 1983. About 21% of homes were built before 1960, about 9 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Andrews County is 71% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
In Andrews County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Andrews County has an owner-occupancy rate of 79% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Andrews County, 64% of homes are primarily heated with electricity.
The top hazards for Andrews County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Low).
As of September 2026, Andrews County has 4 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $195,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Andrews County
- MCLEOD INSURANCE AGENCY, LLC, Andrews (General Lines Agency)
- REID INSURANCE AGENCY INCORPORATED, Andrews (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)