HomeInsuranceQts

Home Insurance in Spofford, Texas

The typical home in Spofford was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 67% of homes were built before 1960, about 52 points above Kinney County's 15%.

Housing in Spofford breaks down to 100% single-family homes.

31% of owner-occupied homes in Spofford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Spofford are owner-occupied.

Most homes in Spofford - 92% - are primarily heated with electricity. 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 Spofford? FEMA's National Risk Index points to hail (Relatively Low) in Kinney County and Kinney County had 14 active NFIP flood policies as of September 2026. See the full Kinney 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 built1943
Owner-occupied share100%
Share of owner-occupied homes with a mortgage31%
Top county hazardHail (Relatively Low)
Active NFIP policies in Kinney County14
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Spofford, TX

Nearby towns

Sources

Data last updated: 2026-09-29