Home Insurance in Putnam, Texas
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Putnam was built around 1984. About 43% of homes were built before 1960, about 12 points above Callahan County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Putnam is 43% single-family homes and 57% mobile or manufactured homes.
In Putnam, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 62%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Putnam are owner-occupied.
In Putnam, 75% of homes are primarily heated with electricity.
Callahan County had 10 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Callahan 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).
Key figures
| Median year built | 1984 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Callahan County | 10 |
| 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)