Home Insurance in Cochran County, Texas
With a median home value of $53,200, Cochran County is 81% lower than the Texas median.
The typical home in Cochran County was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 18 points above Texas's 12%.
The housing stock in Cochran County is 84% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cochran County, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cochran County has an owner-occupancy rate of 65% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Cochran County - 50% - 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.
Per FEMA's National Risk Index, Cochran County's top hazards are hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Low).
Cochran County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $53,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
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)