Home Insurance in Stanton, Texas
Homes in Stanton carry a median value of $100,000 - 43% lower than the Martin County median.
The typical home in Stanton was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 1 point above Martin County's 24%.
The housing stock in Stanton is 68% 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.
About 32% of owner-occupied homes in Stanton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stanton has an owner-occupancy rate of 78% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Stanton, 58% of homes are primarily heated with electricity.
Martin County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Martin County had 8 active NFIP flood policies as of September 2026. See the full Martin 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 are listed for this area.
Key figures
| Median home value | $100,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Martin County | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Stanton
- EILAND & ASSOCIATES INC, Stanton (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
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)