Home Insurance in Skellytown, Texas
With a median home value of $38,700, Skellytown is 73% lower than the Carson County median.
The typical home in Skellytown was built around 1955. About 67% of homes were built before 1960, about 16 points above Carson County's 51%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Skellytown, the housing stock is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 22% of owner-occupied homes in Skellytown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Skellytown has an owner-occupancy rate of 81% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Skellytown - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Skellytown? FEMA's National Risk Index points to wildfire (Relatively Low) in Carson County and 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.
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 | $38,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Carson County | 9 |
| 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)