Home Insurance in Carson County, Texas
With a median home value of $143,000, Carson County is 50% lower than the Texas median.
The typical home in Carson County was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 39 points above Texas's 12%.
The housing stock in Carson County is 86% single-family homes, 2% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Carson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Carson County are owner-occupied.
In Carson County, 66% of homes are primarily heated with natural gas.
The top hazards for Carson County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and winter weather (Relatively Low).
Carson County had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $143,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Carson County
- A J WEISER AND COMPANY, AND BEDDINGFIELD REAL ESTATE, INC., Panhandle (General Lines Agency)
- EK INSURANCE AGENCY LLC, Panhandle (General Lines Agency)
- TAYLOR INSURANCE AGENCY LLC, White Deer (General Lines Agency)
- WEST TEXAS AG CROP INSURANCE AGENCY, LLC, White Deer (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)