Home Insurance in Coahoma, Texas
The median home value in Coahoma is $172,700, 11% higher than the Howard County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coahoma was built around 1968. About 26% of homes were built before 1960, about 12 points below Howard County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coahoma is 76% single-family homes and 24% mobile or manufactured homes.
About 49% of owner-occupied homes in Coahoma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Coahoma are owner-occupied.
In Coahoma, 64% of homes are primarily heated with electricity.
Howard County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Howard County had 67 active NFIP flood policies as of September 2026. See the full Howard 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 | $172,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Howard County | 67 |
| 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)