Home Insurance in Edmonson, Texas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Edmonson was built around 1972. About 19% of homes were built before 1960, about 8 points below Hale County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Edmonson is 87% single-family homes and 13% mobile or manufactured homes.
10% of owner-occupied homes in Edmonson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Edmonson has an owner-occupancy rate of 91% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Edmonson - 91% - are primarily heated with natural gas.
What's the biggest home insurance risk near Edmonson? FEMA's National Risk Index points to hail (Very High) in Hale County and Hale County had 81 active NFIP flood policies as of September 2026. See the full Hale County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median year built | 1972 |
|---|---|
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Hale County | 81 |
| 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)