Home Insurance in Big Wells, Texas
The median home value in Big Wells is $60,800, 29% lower than the Dimmit County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Big Wells was built around 1986. About 14% of homes were built before 1960, about 4 points below Dimmit County's 18%.
The housing stock in Big Wells is 78% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Big Wells, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Big Wells are owner-occupied.
90% of homes in Big Wells are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Dimmit County's overall risk as Very Low, led by hurricane (Relatively Low). Dimmit County had 31 active NFIP flood policies as of September 2026. 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 | $60,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)