Home Insurance in Borger, Texas
With a median home value of $103,400, Borger is 13% lower than the Hutchinson County median.
The typical home in Borger was built around 1965. About 40% of homes were built before 1960, about 5 points above Hutchinson County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Borger is 87% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
47% of owner-occupied homes in Borger carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Borger has an owner-occupancy rate of 79% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
77% of homes in Borger are primarily heated with natural gas.
Hutchinson County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Hutchinson 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $103,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Hutchinson County | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Borger
- 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
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)
- Texas Department of Insurance - licensed agencies (2026)