Home Insurance in Dallam County, Texas
With a median home value of $151,400, Dallam County is 47% lower than the Texas median.
The typical home in Dallam County was built around 1977. About 29% of homes were built before 1960, about 16 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Dallam County, the housing stock is 80% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Dallam County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dallam County has an owner-occupancy rate of 64% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Dallam County - 68% - are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low) as the leading hazards for Dallam County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Dallam County has 10 active NFIP flood policies on file.
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).
This area lists 14 licensed insurance agencies.
Key figures
| Median home value | $151,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Dallam County
- COVERED BY CORI LLC, Dalhart (General Lines Agency)
- CROSS BAR W LLC, Texline (General Lines Agency)
- FAIRCHILD INSURANCE AGENCY LLC, Dalhart (General Lines Agency)
- FARM TX, LLC, Dalhart (General Lines Agency)
- FLATLAND DALHART, LLC, Dalhart (General Lines Agency)
- FULL CIRCLE INSURANCE AGENCY, Dalhart (General Lines Agency)
- INSURANCE ASSOCIATES, Dalhart (General Lines Agency)
- KEITH MEADOR INSURANCE AGENCY, INCORPORATED, Dalhart (General Lines Agency)
- KYLE GRIMSLEY INSURANCE AGENCY, INC., Dalhart (General Lines Agency)
- LINDLEY AND JOHNSON INSURANCE GROUP, LLC, Dalhart (General Lines Agency)
- MICHAEL AND VALERIE DILLER LLC, Texline (General Lines Agency)
- MK AG RISK MANAGEMENT, LLC, Dalhart (General Lines Agency)
- PBP GROUP LTD LLP, Dalhart (General Lines Agency)
- XIT INSURANCE AGENCY, LLC, Dalhart (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)