HomeInsuranceQts

Home Insurance in Ector County, Texas

The median home value in Ector County is $200,200, 29% lower than the Texas median.

The typical home in Ector County was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 9 points above Texas's 12%.

The housing stock in Ector County is 60% single-family homes, 17% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Ector County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 65% of occupied homes in Ector County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Ector County - 60% - are primarily heated with electricity.

FEMA's National Risk Index lists hail (Relatively High), winter weather (Very High) and wildfire (Relatively Low) as the leading hazards for Ector County.

As of September 2026, Ector County has 1,027 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

This area lists 41 licensed insurance agencies.

Key figures

Median home value$200,200
Median year built1984
Owner-occupied share65%
Share of owner-occupied homes with a mortgage47%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Winter Weather (Very High), Wildfire (Relatively Low)
Active NFIP flood policies (county)1,027
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Ector County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources