Home Insurance in Hereford, Texas
With a median home value of $109,700, Hereford is 10% lower than the Deaf Smith County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hereford was built around 1970. About 24% of homes were built before 1960, about 1 point above Deaf Smith County's 23%.
The housing stock in Hereford is 80% single-family homes, 7% 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.
36% of owner-occupied homes in Hereford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Hereford are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Hereford are primarily heated with natural gas.
FEMA rates Deaf Smith County's overall risk as Relatively Low, led by hail (Relatively High). Deaf Smith County had 6 active NFIP flood policies as of September 2026. See the full Deaf Smith 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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $109,700 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Deaf Smith County | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hereford
- 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
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)