Home Insurance in Hardeman County, Texas
With a median home value of $81,900, Hardeman County is 71% lower than the Texas median.
The typical home in Hardeman County was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 48% of homes were built before 1960, about 36 points above Texas's 12%.
In Hardeman County, the housing stock is 78% single-family homes, 4% apartments in buildings with 5+ units and 11% 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 Hardeman County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hardeman County has an owner-occupancy rate of 74% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Hardeman County - 53% - are primarily heated with natural gas.
The top hazards for Hardeman County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), hail (Relatively Low) and wildfire (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hardeman 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $81,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hardeman County
- FIRST ASSURANCE COMPANY, Quanah (General Lines Agency)
- HENDERSON AGENCY INC, Quanah (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)