Home Insurance in Midland County, Texas
With a median home value of $312,700, Midland County is 10% higher than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Midland County was built around 1992. About 16% of homes were built before 1960, about 4 points above Texas's 12%.
In Midland County, the housing stock is 65% single-family homes, 21% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Midland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Midland County has an owner-occupancy rate of 68% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
52% of homes in Midland County are primarily heated with electricity.
The top hazards for Midland County, per FEMA's National Risk Index, are hail (Relatively High), winter weather (Relatively High) and wildfire (Relatively Moderate).
Midland County had 1,212 active National Flood Insurance Program policies as of September 2026. 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).
This area lists 28 licensed insurance agencies.
Key figures
| Median home value | $312,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,212 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Midland County
- A&S ELITE INSURANCE AGENCY LLC, Midland (General Lines Agency)
- AREA INSURANCE SERVICES INC, Midland (General Lines Agency)
- BACKWARD B SOLUTIONS, LLC, Midland (General Lines Agency)
- CAIN INSURANCE SOLUTIONS, LLC, Midland (General Lines Agency)
- CAPSTONE STRATEGIES, LLC, Midland (General Lines Agency)
- CHAD DAVIS INSURANCE AGENCY LLC, Midland (General Lines Agency)
- CHARLIE HARRIS INSURANCE AGENCY INC, Midland (General Lines Agency)
- CRAWFORD INSURANCE AGENCY INC, Midland (General Lines Agency)
- DEBRA PENA, INSURANCE AND FINANCIAL SERVICES, INC., Midland (General Lines Agency)
- DESERT RISK & SAFETY, LLC, Midland (General Lines Agency)
- DIANA DOMINGUEZ AGENCY INC, Midland (General Lines Agency)
- GUERRERO INSURANCE AGENCY INC., Midland (General Lines Agency)
- HUFFMAN & ASSOCIATES INSURANCE SERVICES, LLC, Midland (General Lines Agency)
- JOHNNY JOHNSON INSURANCE AGENCY LLC, Midland (General Lines Agency)
- LEDFORD AGENCY LLC, Midland (General Lines Agency)
- LISA MASSEY AGENCY LLC, Midland (General Lines Agency)
- MCANALLY WILKINS, LLC, Midland (General Lines Agency)
- MCNERLIN INSURANCE AGENCY LLC, Midland (General Lines Agency)
- MIDLAND INSURANCE SERVICES INC, Midland (General Lines Agency)
- ONE WAY AGENCY LLC, Midland (General Lines Agency)
- PERMIAN BASIN FINANCIAL SERVICES FOR EDUCATORS LLC, Midland (General Lines Agency)
- PROMINENT ADVISORS L.L.C., Midland (General Lines Agency)
- RESILIENT J AGENCY LLC, Midland (General Lines Agency)
- TALL CITY INSURANCE AGENCY LLC, Midland (General Lines Agency)
- VALLES CORPORATIONS LLC, Midland (General Lines Agency)
- VOLSEA INTERNATIONAL LLC, Midland (General Lines Agency)
- WARREN POWER & MACHINERY, INC., Midland (General Lines Agency)
- WOLF RIDGE INSURANCE GROUP INC, Midland (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)