Home Insurance in Crosbyton, Texas
The median home value in Crosbyton is $59,200, 27% lower than the Crosby County median.
The typical home in Crosbyton was built around 1965. About 43% of homes were built before 1960, about 1 point above Crosby County's 42%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crosbyton is 81% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
24% of owner-occupied homes in Crosbyton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crosbyton has an owner-occupancy rate of 58% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Crosbyton, 59% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Crosbyton? FEMA's National Risk Index points to hail (Relatively Moderate) in Crosby County and Crosby County had 9 active NFIP flood policies as of September 2026. See the full Crosby 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 | $59,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Crosby County | 9 |
| 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)