Home Insurance in Post, Texas
Homes in Post carry a median value of $49,200 - 37% lower than the Garza County median.
The typical home in Post was built around 1970. About 32% of homes were built before 1960, about 1 point above Garza County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Post, the housing stock is 79% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
14% of owner-occupied homes in Post carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Post are owner-occupied.
50% of homes in Post are primarily heated with electricity.
FEMA rates Garza County's overall risk as Very Low, led by wildfire (Relatively Low). Garza County had 2 active NFIP flood policies as of September 2026. See the full Garza 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 1 licensed insurance agencies.
Key figures
| Median home value | $49,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Garza County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Post
- BOREN INSURANCE AGENCY INC, Post (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)