Home Insurance in Tahoka, Texas
With a median home value of $128,200, Tahoka is 13% lower than the Lynn County median.
The typical home in Tahoka was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 10 points below Lynn County's 38%.
The housing stock in Tahoka is 89% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Tahoka have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Tahoka are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Tahoka, 55% of homes are primarily heated with electricity.
Lynn County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Lynn 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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $128,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lynn County | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Tahoka
- SAM ASHCRAFT INSURANCE AGENCY, INC., Tahoka (General Lines Agency)
- WALKER & SOLOMON AGENCY, INC., Tahoka (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)