Home Insurance in Childress County, Texas
Homes in Childress County carry a median value of $125,400 - 56% lower than the Texas median.
The typical home in Childress County was built around 1963. About 46% of homes were built before 1960, about 34 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Childress County, the housing stock is 76% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Childress County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Childress County are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Childress County - 51% - 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 strong wind (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Childress County.
As of September 2026, Childress County has 2 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.
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $125,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Childress County
- DANIEL M OKEEFE, LLC, Childress (General Lines Agency)
- EASTERN PANHANDLE INS. AGENCY INC, Childress (General Lines Agency)
- H.L.COX INSURANCE AGENCY, INC., Childress (General Lines Agency)
- LEGACY INSURANCE GROUP 3.0, LLC, Childress (General Lines Agency)
- PRESTON INSURANCE AGENCIES INC, Childress (General Lines Agency)
- RANDY D ALLEN INSURANCE AGENCY, INC., Chilress (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)