Home Insurance in Chillicothe, Texas
With a median home value of $65,500, Chillicothe is 20% lower than the Hardeman County median.
The typical home in Chillicothe was built around 1945. About 66% of homes were built before 1960, about 17 points above Hardeman County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Chillicothe is 93% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Chillicothe, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Chillicothe are owner-occupied.
In Chillicothe, 83% of homes are primarily heated with natural gas.
Hardeman County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Hardeman County had 1 active NFIP flood policy as of September 2026. See the full Hardeman 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 | $65,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Hardeman County | 1 |
| 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)