Home Insurance in Andrews, Texas
Homes in Andrews carry a median value of $196,300 - close to the Andrews County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Andrews was built around 1976. About 27% of homes were built before 1960, about 6 points above Andrews County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Andrews is 78% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
In Andrews, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Andrews are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Andrews, 58% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Andrews? FEMA's National Risk Index points to hail (Relatively Moderate) in Andrews County and Andrews County had 4 active NFIP flood policies as of September 2026. See the full Andrews 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 Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $196,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Andrews County | 4 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Andrews
- 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
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)
- Texas Department of Insurance - licensed agencies (2026)