Home Insurance in Texline, Texas
Homes in Texline carry a median value of $107,300 - 29% lower than the Dallam County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Texline was built around 1991. About 19% of homes were built before 1960, about 9 points below Dallam County's 29%.
In Texline, the housing stock is 62% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Texline, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Texline are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Texline - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Texline? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Dallam County and 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.
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.
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $107,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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 Texline
- CROSS BAR W LLC, Texline (General Lines Agency)
- MICHAEL AND VALERIE DILLER LLC, Texline (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)