Home Insurance in Pampa, Texas
Homes in Pampa carry a median value of $100,700 - close to the Gray County median.
The typical home in Pampa was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, in line with Gray County (49%).
In Pampa, the housing stock is 89% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pampa, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pampa has an owner-occupancy rate of 74% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Pampa - 72% - are primarily heated with natural gas.
Gray County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Gray County had 5 active NFIP flood policies as of September 2026. See the full Gray 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.
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $100,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Gray County | 5 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Pampa
- 5-A INSURANCE AGENCY, INC., Pampa (Pers Lines Prop and Cas Agency)
- 5-A INSURANCE AGENCY, INC., Pampa (General Lines Agency)
- CADE TAYLOR INSURANCE SERVICES, LLC, Pampa (General Lines Agency)
- GREAT RATES INSURE LLC, Pampa (General Lines Agency)
- INSURICA DFB INSURANCE SERVICES, LLC, Pampa (General Lines Agency)
- LEGACY INS LLC, Pampa (General Lines Agency)
- WHITNEY INSURANCE AGENCY, INC., Pampa (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)