Home Insurance in Petersburg, Texas
With a median home value of $72,700, Petersburg is 38% lower than the Hale County median.
The typical home in Petersburg was built around 1966. About 43% of homes were built before 1960, about 15 points above Hale County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Petersburg is 90% single-family homes and 6% mobile or manufactured homes.
In Petersburg, about 11% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Petersburg has an owner-occupancy rate of 65% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
In Petersburg, 64% of homes are primarily heated with natural gas.
Hale County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
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).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $72,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Hale County | 81 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Petersburg
- FULLINGIM AGENCY INC, Petersburg (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
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)