Home Insurance in Cottle County, Texas
Homes in Cottle County carry a median value of $59,300 - 79% lower than the Texas median.
The typical home in Cottle County was built around 1960. About 50% of homes were built before 1960, about 38 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cottle County, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Cottle County, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Cottle County are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cottle 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.
The top hazards for Cottle County, per FEMA's National Risk Index, are wildfire (Very Low), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Cottle County has no active NFIP flood policies on file.
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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $59,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Cottle County
- PADUCAH AGENCY, INC, Paducah (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)