Home Insurance in Windthorst, Texas
With a median home value of $206,300, Windthorst is 9% higher than the Archer County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Windthorst was built around 1979. About 22% of homes were built before 1960, in line with Archer County (22%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Windthorst is 86% single-family homes and 10% mobile or manufactured homes.
In Windthorst, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Windthorst are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Windthorst, 63% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Archer County's overall risk as Very Low, led by wildfire (Relatively Low). Archer County had 40 active NFIP flood policies as of September 2026. See the full Archer 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 Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $206,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Archer County | 40 |
| Home insurance premium | $2,864 - 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)