Home Insurance in Quitaque, Texas
The median home value in Quitaque is $69,200, 23% lower than the Briscoe County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Quitaque was built around 1963. About 44% of homes were built before 1960, in line with Briscoe County (44%).
In Quitaque, the housing stock is 77% single-family homes, 1% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Quitaque carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Quitaque are owner-occupied. The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Quitaque 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.
FEMA rates Briscoe County's overall risk as Very Low, led by wildfire (Very Low). Briscoe County has no active NFIP flood policies on file. See the full Briscoe County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $69,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Quitaque
- RAFTER R INSURANCE AGENCY, LLC, Quitaque (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)