Home Insurance in Smyer, Texas
With a median home value of $67,900, Smyer is 47% lower than the Hockley County median.
The typical home in Smyer was built around 1984. About 28% of homes were built before 1960, about 5 points above Hockley County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Smyer, the housing stock is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Smyer carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Smyer has an owner-occupancy rate of 89% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Smyer - 51% - are primarily heated with electricity.
Hockley County had 50 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Hockley 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 | $67,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hockley County | 50 |
| 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)