Home Insurance in Hale County, Texas
The median home value in Hale County is $116,500, 59% lower than the Texas median.
The typical home in Hale County was built around 1969. About 27% of homes were built before 1960, about 15 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hale County, the housing stock is 79% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Hale County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Hale County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hale County - 60% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Hale County's top hazards are hail (Very High), winter weather (Relatively High) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hale County has 81 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
17 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $116,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hail (Very High), Winter Weather (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 81 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hale County
- AG VENTURE SOLUTIONS LLC, Plainview (General Lines Agency)
- AGRI-SERVE CORPORATION, Plainview (General Lines Agency)
- CHRISTOPHER WAYNE MOORE, INC., Plainview (General Lines Agency)
- FULLINGIM AGENCY INC, Petersburg (General Lines Agency)
- HORTON INSURANCE & FINANCIAL SERVICES INC, Plainview (General Lines Agency)
- J LEATHERWOOD INC, Plainview (General Lines Agency)
- JAN ALFORD INSURANCE AND FINANCIAL SERVICES, INC., Plainview (General Lines Agency)
- JCR PRIME INSURANCE GROUP, LLC, Plainview (General Lines Agency)
- JIM LANDTROOP INSURANCE AND FINANCIAL SERVICES INC, Plainview (General Lines Agency)
- KERRY WINDERS LLC, Plainview (General Lines Agency)
- M C CAMPBELL, LLC, Plainview (General Lines Agency)
- PEDAL CAR, LLC, Plainview (General Lines Agency)
- ROBERTS AG INSURANCE AGENCY, LLC, Plainview (General Lines Agency)
- SONNY WALKER AGENCY, INC., Plainview (General Lines Agency)
- WALKER LLOYD & WALKER INC, Plainview (General Lines Agency)
- WEAVER CROP INSURANCE AGENCY, INC., Petersburg (Pers Lines Prop and Cas Agency)
- WEAVER CROP INSURANCE AGENCY, INC., Petersburg (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)