Home Insurance in Hansford County, Texas
Homes in Hansford County carry a median value of $124,800 - 56% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hansford County was built around 1970. About 27% of homes were built before 1960, about 14 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hansford County is 90% single-family homes, 2% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
38% of owner-occupied homes in Hansford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Hansford County are owner-occupied.
71% of homes in Hansford County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low) as the leading hazards for Hansford County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hansford County has 1 active NFIP flood policy 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).
10 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $124,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hansford County
- BORT INSURANCE AGENCY, LLC, Gruver (General Lines Agency)
- BROCK INSURANCE ASSOCIATES, INC., Spearman (General Lines Agency)
- DANA SCHNEIDER INSURANCE AGENCY, LLC, Spearman (General Lines Agency)
- DIAMOND G IRRIGATION LLC, Spearman (General Lines Agency)
- HOLLY REED INSURANCE AGENCY, LLC, Spearman (General Lines Agency)
- JULIE WILLIAMS INSURANCE AGENCY, PLLC, Gruver (General Lines Agency)
- KIRK AGENCY, LLC, Spearman (General Lines Agency)
- KRISTEN ACOSTA INSURANCE SERVICE, LLC, Spearman (General Lines Agency)
- O A SUTTON INSURANCE AGENCY INC, Spearman (General Lines Agency)
- ROLLING PRAIRIES, LLC, Spearman (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)