Home Insurance in Haskell, Texas
With a median home value of $104,500, Haskell is 6% higher than the Haskell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Haskell was built around 1958. About 53% of homes were built before 1960, about 8 points above Haskell County's 44%.
The housing stock in Haskell is 88% single-family homes and 6% 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 carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Haskell are owner-occupied.
Most homes in Haskell - 74% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Haskell County's overall risk as Very Low, led by wildfire (Relatively Low). Haskell County had 61 active NFIP flood policies as of September 2026. See the full Haskell 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $104,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Haskell County | 61 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Haskell
- HASKELL COUNTY INSURANCE AGENCY INC, Haskell (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
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)