Home Insurance in Amherst, Texas
Homes in Amherst carry a median value of $35,500 - 57% lower than the Lamb County median.
The typical home in Amherst was built around 1961. About 48% of homes were built before 1960, about 14 points above Lamb County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Amherst is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Amherst, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 68% of occupied homes in Amherst are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Amherst, 55% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Amherst? FEMA's National Risk Index points to hail (Relatively High) in Lamb County and Lamb County had 8 active NFIP flood policies as of September 2026. See the full Lamb 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 | $35,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lamb County | 8 |
| 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)