Home Insurance in Dimmit County, Texas
Homes in Dimmit County carry a median value of $85,500 - 70% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dimmit County was built around 1985. About 18% of homes were built before 1960, about 6 points above Texas's 12%.
The housing stock in Dimmit County is 64% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Dimmit County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Dimmit County are owner-occupied.
93% of homes in Dimmit County are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), wildfire (Very Low) and tornado (Relatively Low) as the leading hazards for Dimmit County.
As of September 2026, Dimmit County has 31 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
Key figures
| Median home value | $85,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 31 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
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)