Home Insurance in Spur, Texas
The median home value in Spur is $53,500, 18% lower than the Dickens County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Spur was built around 1958. About 58% of homes were built before 1960, about 10 points above Dickens County's 48%.
The housing stock in Spur is 97% single-family homes and 1% mobile or manufactured homes.
In Spur, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Spur are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 46% of homes in Spur are primarily heated with electricity.
What's the biggest home insurance risk near Spur? FEMA's National Risk Index points to wildfire (Relatively Low) in Dickens County and Dickens County has no active NFIP flood policies on file. See the full Dickens County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $53,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)