Home Insurance in Hockley County, Texas
With a median home value of $127,000, Hockley County is 55% lower than the Texas median.
The typical home in Hockley County was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 11 points above Texas's 12%.
The housing stock in Hockley County is 75% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Hockley County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Hockley County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Hockley County 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.
The top hazards for Hockley County, per FEMA's National Risk Index, are hail (Relatively High), wildfire (Relatively Low) and winter weather (Relatively Moderate).
As of September 2026, Hockley County has 50 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $127,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 50 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hockley County
- COLDWATER INSURANCE AGENCY, INC., Levelland (General Lines Agency)
- DANNY GRANT AGENCY,INC., Levelland (General Lines Agency)
- GEORGE R. KEELING INSURANCE AGENCY, LLC, Levelland (General Lines Agency)
- MACHA INSURANCE AGENCY INC, Levelland (General Lines Agency)
- MCNABB FOUR COTTON RAISING FAMILY, LLC, Ropesville (General Lines Agency)
- SP TAYLOR INSURANCE AGENCY, LLC, Ropesville (General Lines Agency)
- TREY THOMPSON, LLC, Levelland (General Lines Agency)
- UNITED COTTON GROWERS COOPERATIVE, Levelland (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)