Home Insurance in Channing, Texas
The median home value in Channing is $106,300, 60% lower than the Hartley County median.
The typical home in Channing was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 9 points above Hartley County's 26%.
The housing stock in Channing is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Channing, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Channing are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Channing, 62% of homes are primarily heated with electricity.
Hartley County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Hartley County had 1 active NFIP flood policy as of September 2026. See the full Hartley 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.
Key figures
| Median home value | $106,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Hartley 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)