Home Insurance in Loving County, Texas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Loving County was built in 1939 or earlier. About 67% of homes were built before 1960, about 54 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Loving County is 76% single-family homes, 6% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
Almost no owner-occupied homes in Loving County carry a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 11% of occupied homes in Loving County are owner-occupied.
Most homes in Loving County - 81% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Loving County's top hazards are hurricane (Very Low), wildfire (Very Low) and hail (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Loving County has no active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 11% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Wildfire (Very Low), Hail (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Sources
- 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)