Home Insurance in Hutchinson County, Texas
With a median home value of $119,100, Hutchinson County is 58% lower than the Texas median.
The typical home in Hutchinson County was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 35% of homes were built before 1960, about 22 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hutchinson County is 84% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Hutchinson County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hutchinson County has an owner-occupancy rate of 83% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
In Hutchinson County, 70% of homes are primarily heated with natural gas.
The top hazards for Hutchinson County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), hail (Relatively Moderate) and winter weather (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hutchinson County has 7 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $119,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Hail (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hutchinson County
- ABC INSURANCE PARTNERS LLC, Borger (General Lines Agency)
- FIKE INSURANCE AGENCY LLC, Borger (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)