Home Insurance in Dell City, Texas
The typical home in Dell City was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 4 points above Hudspeth County's 13%.
In Dell City, the housing stock is 40% single-family homes and 60% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dell City, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dell City has an owner-occupancy rate of 69% and a vacancy rate of 61%; unoccupied homes typically need a different coverage form.
Most homes in Dell City - 55% - 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.
What's the biggest home insurance risk near Dell City? FEMA's National Risk Index points to wildfire (Very Low) in Hudspeth County and Hudspeth County had 15 active NFIP flood policies as of September 2026. See the full Hudspeth County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
Key figures
| Median year built | 1980 |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Hudspeth County | 15 |
| 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)