Home Insurance in Stinnett, Texas
Homes in Stinnett carry a median value of $98,400 - 17% lower than the Hutchinson County median.
The typical home in Stinnett was built around 1965. About 37% of homes were built before 1960, about 3 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.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stinnett is 83% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Stinnett, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Stinnett are owner-occupied.
In Stinnett, 51% of homes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $98,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Hutchinson County | 7 |
| 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)