Home Insurance in Dalhart, Texas
With a median home value of $161,600, Dalhart is 7% higher than the Dallam County median.
The typical home in Dalhart was built around 1978. About 26% of homes were built before 1960, about 3 points below Dallam County's 29%. 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 Dalhart is 79% single-family homes, 10% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Dalhart, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Dalhart are owner-occupied.
In Dalhart, 67% of homes are primarily heated with natural gas.
FEMA rates Dallam County's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Dallam County had 10 active NFIP flood policies as of September 2026. See the full Dallam 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).
12 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $161,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Dallam County | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dalhart
- COVERED BY CORI LLC, Dalhart (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)
- 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
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)