Home Insurance in Asherton, Texas
With a median home value of $82,400, Asherton is close to the Dimmit County median.
The typical home in Asherton was built around 1983. About 5% of homes were built before 1960, about 14 points below Dimmit County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Asherton, the housing stock is 77% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 8% of owner-occupied homes in Asherton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Asherton are owner-occupied. The vacancy rate is 33%; 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. In Asherton, 82% of homes are primarily heated with electricity.
Dimmit County had 31 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Dimmit 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).
Key figures
| Median home value | $82,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 8% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Dimmit County | 31 |
| 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)