Home Insurance in Van Horn, Texas
The median home value in Van Horn is $94,300, 19% higher than the Culberson County median.
The typical home in Van Horn was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 3 points above Culberson County's 22%.
The housing stock in Van Horn is 77% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 16% of owner-occupied homes in Van Horn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Van Horn has an owner-occupancy rate of 67% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Van Horn - 52% - 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.
FEMA rates Culberson County's overall risk as Very Low, led by wildfire (Relatively Low). Culberson County had 12 active NFIP flood policies as of September 2026. See the full Culberson 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.
Key figures
| Median home value | $94,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Culberson County | 12 |
| 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)