Home Insurance in Borden County, Texas
Homes in Borden County carry a median value of $108,900 - 62% lower than the Texas median.
The typical home in Borden County was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 19 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Borden County is 87% single-family homes and 11% mobile or manufactured homes.
In Borden County, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Borden County has an owner-occupancy rate of 66% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
49% of homes in Borden County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and tornado (Very Low) as the leading hazards for Borden County.
Borden County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $108,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)