Home Insurance in Childress, Texas
The median home value in Childress is $85,900, 31% lower than the Childress County median.
The typical home in Childress was built around 1961. About 48% of homes were built before 1960, about 2 points above Childress County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Childress is 75% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Childress, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Childress 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 - 56% - are primarily heated with natural gas.
Childress County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Childress County had 2 active NFIP flood policies as of September 2026. See the full Childress 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.
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $85,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Childress County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Childress
- 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)
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)