Home Insurance in Pecan Gap, Texas
The median home value in Pecan Gap is $252,700, 54% higher than the Delta County median.
The typical home in Pecan Gap was built around 1979. About 32% of homes were built before 1960, about 4 points above Delta County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Pecan Gap is 100% single-family homes.
56% of owner-occupied homes in Pecan Gap carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Pecan Gap are owner-occupied.
Most homes in Pecan Gap - 52% - are primarily heated with natural gas.
Delta County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Delta County has no active NFIP flood policies on file. See the full Delta 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.
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $252,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Pecan Gap
- OEL INSURANCE AGENCY, LLC, Pecan Gap (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)