Home Insurance in Martin County, Texas
With a median home value of $174,800, Martin County is 38% lower than the Texas median.
The typical home in Martin County was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 12 points above Texas's 12%.
The housing stock in Martin County is 73% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Martin County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Martin County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Martin County - 57% - are primarily heated with electricity.
The top hazards for Martin County, per FEMA's National Risk Index, are hail (Relatively Moderate), wildfire (Relatively Low) and inland flooding (Very Low).
As of September 2026, Martin County has 8 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $174,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Inland Flooding (Very Low) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Martin County
- EILAND & ASSOCIATES INC, Stanton (General Lines Agency)
- STONEBENDER CROP INSURANCE AGENCY, LLC, Ackerly (General Lines Agency)
- TUNNELL INSURANCE AGENCY INC, Stanton (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)