Home Insurance in Deaf Smith County, Texas
With a median home value of $121,300, Deaf Smith County is 57% lower than the Texas median.
The typical home in Deaf Smith County was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 10 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Deaf Smith County is 80% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
35% of owner-occupied homes in Deaf Smith County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Deaf Smith County are owner-occupied.
Most homes in Deaf Smith County - 65% - are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively High), winter weather (Relatively High) and wildfire (Relatively Low) as the leading hazards for Deaf Smith County.
As of September 2026, Deaf Smith County has 6 active NFIP flood insurance policies. 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).
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $121,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Deaf Smith County
- AG SPECIALIST INSURANCE SERVICES, INC., Hereford (General Lines Agency)
- CODY CHANDLER INSURANCE AGENCY, INC., Hereford (General Lines Agency)
- HEREFORD INSURANCE AGENCY, INC., Hereford (General Lines Agency)
- HOUGH INSURANCE AGENCY INC, Hereford (General Lines Agency)
- PRAIRIE INSURANCE AGENCY INC, Hereford (General Lines Agency)
- TEXASSTAR INS SERVICE LLC, Hereford (General Lines Agency)
- TEXASSTAR INS SERVICE LLC, Hereford (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)