Home Insurance in Seminole, Texas
Homes in Seminole carry a median value of $177,000 - 12% lower than the Gaines County median.
The typical home in Seminole was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, in line with Gaines County (15%).
In Seminole, the housing stock is 73% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Seminole 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 74% of occupied homes in Seminole are owner-occupied.
66% of homes in Seminole are primarily heated with electricity.
Gaines County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $177,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Gaines County | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Seminole
- 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
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)