Home Insurance in Wolfforth, Texas
The median home value in Wolfforth is $260,200, 22% higher than the Lubbock County median.
The typical home in Wolfforth was built around 2006. About 2% of homes were built before 1960, about 15 points below Lubbock County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wolfforth, the housing stock is 90% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Wolfforth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wolfforth has an owner-occupancy rate of 78% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
61% of homes in Wolfforth are primarily heated with electricity.
Lubbock County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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).
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $260,200 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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 Wolfforth
- AUSTIN PREFERRED INC, Wolfforth (General Lines Agency)
- FLATHILL INSURANCE AGENCY LLC, Wolfforth (General Lines Agency)
- INSURANCE IDOL LLC, Wolfforth (General Lines Agency)
- JAMES WELCH LLC, Wolfforth (General Lines Agency)
- LUBBOCK INSURANCE PARTNERS, LP, Wolfforth (General Lines Agency)
- RHETT RICHARDSON INSURANCE AGENCY, INC., Wolfforth (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)