Home Insurance in Dodson, Texas
With a median home value of $106,300, Dodson is close to the Collingsworth County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dodson was built around 1961. About 44% of homes were built before 1960, about 4 points below Collingsworth County's 48%.
Housing in Dodson breaks down to 100% single-family homes.
Almost no owner-occupied homes in Dodson carry a mortgage.
About 78% of occupied homes in Dodson are owner-occupied.
In Dodson, 100% of homes are primarily heated with natural gas.
Collingsworth County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Collingsworth County had 20 active NFIP flood policies as of September 2026. See the full Collingsworth County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $106,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Collingsworth County | 20 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)