Home Insurance in Slaton, Texas
Homes in Slaton carry a median value of $84,600 - 60% lower than the Lubbock County median.
The typical home in Slaton was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 30 points above Lubbock County's 17%.
In Slaton, the housing stock is 82% single-family homes, 1% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Slaton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Slaton are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Slaton - 60% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $84,600 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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 Slaton
- BOB BRAKE & ASSOCIATES INS INC, Slaton (General Lines Agency)
- PEMBER INSURANCE AGENCY, LLC, Slaton (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)