Home Insurance in White Deer, Texas
With a median home value of $116,700, White Deer is 18% lower than the Carson County median.
The typical home in White Deer was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 10 points above Carson County's 51%.
Housing in White Deer breaks down to 96% single-family homes and 2% mobile or manufactured homes.
52% of owner-occupied homes in White Deer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
White Deer has an owner-occupancy rate of 75% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
62% of homes in White Deer are primarily heated with natural gas.
What's the biggest home insurance risk near White Deer? 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.
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $116,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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 White Deer
- 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
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)