Home Insurance in Hale Center, Texas
The median home value in Hale Center is $76,200, 35% lower than the Hale County median.
The typical home in Hale Center was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 10 points above Hale County's 27%.
The housing stock in Hale Center is 89% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
22% of owner-occupied homes in Hale Center carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hale Center has an owner-occupancy rate of 84% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
85% of homes in Hale Center are primarily heated with natural gas.
FEMA rates Hale County's overall risk as Relatively Low, led by hail (Very High). 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 home value | $76,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)