Home Insurance in Shallowater, Texas
With a median home value of $210,000, Shallowater is close to the Lubbock County median.
The typical home in Shallowater was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 7 points above Lubbock County's 17%.
In Shallowater, the housing stock is 93% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Shallowater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shallowater has an owner-occupancy rate of 77% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Shallowater, 66% of homes are primarily heated with natural gas.
FEMA rates Lubbock County's overall risk as Relatively High, led by hail (Very High). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $210,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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 Shallowater
- BLAIR AG LLC, Shallowater (General Lines Agency)
- BOOHER INSURANCE SERVICES, LLC, Shallowater (General Lines Agency)
- OLIVE INSURANCE AGENCY, LLC, Shallowater (General Lines Agency)
- THE HILL GROUP OF LUBBOCK, LLC, Shallowater (General Lines Agency)
- WEST TEXAS CROP INC, Shallowater (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)