Home Insurance in Paducah, Texas
With a median home value of $49,000, Paducah is 17% lower than the Cottle County median.
The typical home in Paducah was built around 1958. About 54% of homes were built before 1960, about 4 points above Cottle County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Paducah is 84% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Paducah, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Paducah has an owner-occupancy rate of 81% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Paducah - 62% - are primarily heated with natural gas.
Cottle County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Cottle County has no active NFIP flood policies on file. See the full Cottle 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.
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $49,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Paducah
- PADUCAH AGENCY, INC, Paducah (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)