Home Insurance in Gaines County, Texas
Homes in Gaines County carry a median value of $200,700 - 29% lower than the Texas median.
The typical home in Gaines County was built around 1986. About 15% of homes were built before 1960, about 3 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gaines County is 66% single-family homes, 3% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
About 37% of owner-occupied homes in Gaines County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Gaines County are owner-occupied.
74% of homes in Gaines County are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively High), wildfire (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Gaines County.
As of September 2026, Gaines County has 8 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).
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $200,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Gaines County
- CYA TRUCKING INSURANCE ASSOCIATES LLC, Seminole (General Lines Agency)
- DANLEY ENTERPRISES INC, Seminole (General Lines Agency)
- GUY CHANEY INSURANCE AGENCY, INC., Seminole (General Lines Agency)
- MOORE-HARALSON AGENCY P C, Seminole (General Lines Agency)
- MTZ VENTURES LLC, Seminole (General Lines Agency)
- SHELLY PETTY INSURANCE AGENCY, INC, Seminole (General Lines Agency)
- SILVER STAR CROP INSURANCE GROUP, INC., Seminole (General Lines Agency)
- SOUTH PLAINS IMPLEMENT, LTD., Seminole (General Lines Agency)
- SOUTH PLAINS MANAGEMENT, LLC, Seminole (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)