Home Insurance in Quanah, Texas
The median home value in Quanah is $71,100, 13% lower than the Hardeman County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Quanah was built around 1960. About 51% of homes were built before 1960, about 2 points above Hardeman County's 48%.
In Quanah, the housing stock is 77% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Quanah carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Quanah has an owner-occupancy rate of 73% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Quanah, 62% of homes are primarily heated with natural gas.
FEMA rates Hardeman County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $71,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Hardeman County | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Quanah
- 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
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)