Home Insurance in Abernathy, Texas
The median home value in Abernathy is $176,400, 18% lower than the Lubbock County median.
The typical home in Abernathy was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 20 points above Lubbock County's 17%.
The housing stock in Abernathy is 89% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
56% of owner-occupied homes in Abernathy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Abernathy are owner-occupied.
Most homes in Abernathy - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Abernathy? FEMA's National Risk Index points to hail (Very High) in Lubbock County and Lubbock County had 932 active NFIP flood policies as of September 2026. See the full Lubbock 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.
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $176,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Lubbock County | 932 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Abernathy
- 4R ENTERPRISES, INC, Abernathy (General Lines Agency)
- GIVENS INSURANCE AGENCY, INC., Abernathy (General Lines Agency)
- LAMBERT INSURANCE AGENCY LLC, Abernathy (General Lines Agency)
- TRIPLE O, INC., Abernathy (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)