Home Insurance in Haskell County, Texas
The median home value in Haskell County is $98,700, 65% lower than the Texas median.
The typical home in Haskell County was built around 1964. About 44% of homes were built before 1960, about 32 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Haskell County is 83% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Haskell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Haskell County are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 55% of homes in Haskell County are primarily heated with natural gas.
The top hazards for Haskell County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and strong wind (Relatively Low).
As of September 2026, Haskell County has 61 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $98,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 61 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Haskell County
- AG CI, INC, Stamford (General Lines Agency)
- BIG COUNTRY CROP INSURANCE SERVICES LLC, Stamford (General Lines Agency)
- CRYSTAL HERTEL ENTERPRISES LLC, Rule (General Lines Agency)
- DUWE INSURANCE, LLC, Stamford (General Lines Agency)
- HASKELL COUNTY INSURANCE AGENCY INC, Haskell (General Lines Agency)
- STAMFORD INSURANCE AGENCY INC, Stamford (General Lines Agency)
- TEXAS AG INSURANCE AGENCY LLC, Haskell (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)