Home Insurance in Dawson County, Texas
The median home value in Dawson County is $103,400, 64% lower than the Texas median.
The typical home in Dawson County was built around 1963. About 42% of homes were built before 1960, about 30 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dawson County, the housing stock is 89% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dawson County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Dawson County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Dawson County are primarily heated with natural gas.
Per FEMA's National Risk Index, Dawson County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Very Low).
Dawson County had 11 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 10 licensed insurance agencies.
Key figures
| Median home value | $103,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Dawson County
- ADDISON CROP INSURANCE AGENCY, LTD., Lamesa (General Lines Agency)
- LOUIS ADDISON INSURANCE AGENCY INC, Lamesa (General Lines Agency)
- MATLOCK AND ASSOCIATES INC, Lamesa (General Lines Agency)
- MATLOCK CROP INSURANCE AGENCY, INC., Lamesa (General Lines Agency)
- NGT PARTNERSHIP, Lamesa (General Lines Agency)
- SOUTHERN CROP INSURANCE LLC, Lamesa (General Lines Agency)
- SWAFFORD INSURANCE SERVICES INC, Lamesa (General Lines Agency)
- WEST TEXAS INSURANCE, Odonnell (General Lines Agency)
- WEST TEXAS INSURANCE AGENCY, LLC, Lamesa (General Lines Agency)
- WHITTENBURG CROP SERVICES, L.L.C., Lamesa (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)