Home Insurance in Seagraves, Texas
The median home value in Seagraves is $68,400, 66% lower than the Gaines County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Seagraves was built around 1969. About 29% of homes were built before 1960, about 14 points above Gaines County's 15%.
In Seagraves, the housing stock is 56% single-family homes, 5% apartments in buildings with 5+ units and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Seagraves, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Seagraves are owner-occupied.
In Seagraves, 59% of homes are primarily heated with electricity.
FEMA rates Gaines County's overall risk as Relatively Low, led by hail (Relatively High). Gaines County had 8 active NFIP flood policies as of September 2026. See the full Gaines County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 home value | $68,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Gaines County | 8 |
| 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)