Home Insurance in Howard County, Texas
The median home value in Howard County is $155,600, 45% lower than the Texas median.
The typical home in Howard County was built around 1966. About 38% of homes were built before 1960, about 26 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Howard County is 78% single-family homes, 11% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Howard County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Howard County has an owner-occupancy rate of 70% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Howard County, 49% of homes are primarily heated with electricity.
The top hazards for Howard County, per FEMA's National Risk Index, are hail (Relatively High), wildfire (Relatively Moderate) and winter weather (Relatively Moderate).
Howard County had 67 active National Flood Insurance Program policies as of September 2026. 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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $155,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Howard County
- CALVIO INSURANCE AGENCY INC, Big Spring (General Lines Agency)
- CERVANTES INSURANCE AGENCY LLC, Big Spring (General Lines Agency)
- CHURCHWELL AGENCY,INC., Big Spring (General Lines Agency)
- KELLY NEWTON INSURANCE AGENCY INC, Big Spring (General Lines Agency)
- PARKS AGENCY INC, Big Spring (General Lines Agency)
- PIRKLE / WEIR INSURANCE AGENCY, INC., Big Spring (General Lines Agency)
- WESLEY BEAUCHAMP INSURANCE AGENCY, INC., Big Spring (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)