Home Insurance in Dimmitt, Texas
Homes in Dimmitt carry a median value of $85,100 - 10% lower than the Castro County median.
The typical home in Dimmitt was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 3 points above Castro County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dimmitt is 76% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 26% of owner-occupied homes in Dimmitt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dimmitt has an owner-occupancy rate of 55% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
56% of homes in Dimmitt 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.
Castro County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Castro County had 13 active NFIP flood policies as of September 2026. See the full Castro 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.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $85,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Castro County | 13 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dimmitt
- 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
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)