Home Insurance in Panhandle, Texas
With a median home value of $161,000, Panhandle is 13% higher than the Carson County median.
The typical home in Panhandle was built around 1958. About 54% of homes were built before 1960, about 3 points above Carson County's 51%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Panhandle, the housing stock is 83% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Panhandle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Panhandle are owner-occupied.
74% of homes in Panhandle are primarily heated with natural gas.
FEMA rates Carson County's overall risk as Very Low, led by wildfire (Relatively Low). Carson County had 9 active NFIP flood policies as of September 2026. See the full Carson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $161,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Carson County | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Panhandle
- A J WEISER AND COMPANY, AND BEDDINGFIELD REAL ESTATE, INC., Panhandle (General Lines Agency)
- EK INSURANCE AGENCY LLC, Panhandle (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)