Home Insurance in Floydada, Texas
With a median home value of $89,700, Floydada is close to the Floyd County median.
The typical home in Floydada was built around 1965. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 9 points below Floyd County's 45%.
In Floydada, the housing stock is 90% single-family homes and 1% mobile or manufactured homes.
21% of owner-occupied homes in Floydada carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Floydada are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Floydada, 60% of homes are primarily heated with natural gas.
FEMA rates Floyd County's overall risk as Very Low, led by hail (Relatively High). Floyd County had 3 active NFIP flood policies as of September 2026. See the full Floyd County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $89,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Floyd County | 3 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Floydada
- ASSITER AG-RISK, L.L.C., Floydada (General Lines Agency)
- ASSITER INSURANCE AGENCY, L.L.C., Floydada (General Lines Agency)
- QUALITY RISK MANAGEMENT SOLUTIONS, LLC, Floydada (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)