Home Insurance in Edwards County, Texas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Edwards County was built around 1975. About 33% of homes were built before 1960, about 21 points above Texas's 12%.
In Edwards County, the housing stock is 75% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Edwards County, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Edwards County has an owner-occupancy rate of 88% and a vacancy rate of 50%; unoccupied homes typically need a different coverage form.
60% of homes in Edwards County 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.
The top hazards for Edwards County, per FEMA's National Risk Index, are wildfire (Relatively Low), hurricane (Very Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Edwards County has no active NFIP flood policies on file.
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 year built | 1975 |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Very Low), Hail (Relatively Low) |
| 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)