Home Insurance in Wellington, Texas
Homes in Wellington carry a median value of $87,400 - 16% lower than the Collingsworth County median.
The typical home in Wellington was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 2 points below Collingsworth County's 48%.
The housing stock in Wellington is 84% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Wellington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Wellington are owner-occupied.
Most homes in Wellington - 58% - 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $87,400 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Collingsworth County | 20 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Wellington
- 1ST WELLINGTON AGENCY, Wellington (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)