Home Insurance in Littlefield, Texas
The median home value in Littlefield is $79,400, close to the Lamb County median.
The typical home in Littlefield was built around 1968. About 27% of homes were built before 1960, about 7 points below Lamb County's 34%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Littlefield is 89% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Littlefield, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Littlefield has an owner-occupancy rate of 73% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Littlefield - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Littlefield? 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.
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $79,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lamb County | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Littlefield
- ALAN NEWTON INSURANCE AGENCY INC, Littlefield (General Lines Agency)
- HOOVES ' N HORNS INC, Littlefield (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)