Home Insurance in Castro County, Texas
With a median home value of $95,000, Castro County is 67% lower than the Texas median.
The typical home in Castro County was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 26 points above Texas's 12%.
In Castro County, the housing stock is 76% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Castro County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Castro County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Castro County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively High), winter weather (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Castro County.
As of September 2026, Castro County has 13 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 5 licensed insurance agencies.
Key figures
| Median home value | $95,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 13 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Castro County
- BROWN CROP INSURANCE SERVICES INC, Hart (General Lines Agency)
- JASON CANTRELL, LLC, Dimmitt (General Lines Agency)
- JAY W. LINDLEY, INC., Dimmitt (General Lines Agency)
- PEBSWORTH INSURANCE AGENCY INC, Dimmitt (General Lines Agency)
- PROMISED LAND INSURANCE GROUP LLC, Dimmitt (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)