Home Insurance in O'Brien, Texas
With a median home value of $33,300, O'Brien is 66% lower than the Haskell County median.
The typical home in O'Brien was built around 1945. About 65% of homes were built before 1960, about 21 points above Haskell County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In O'Brien, the housing stock is 94% 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.
In O'Brien, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
O'Brien has an owner-occupancy rate of 80% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In O'Brien, 37% of homes are primarily heated with natural gas.
Haskell County had 61 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). 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).
Key figures
| Median home value | $33,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Haskell County | 61 |
| 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)