Home Insurance in Moore County, Texas
With a median home value of $152,600, Moore County is 46% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Moore County was built around 1975. About 25% of homes were built before 1960, about 13 points above Texas's 12%.
The housing stock in Moore County is 68% single-family homes, 10% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Moore County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Moore County has an owner-occupancy rate of 62% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
61% of homes in Moore County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Moderate) as the leading hazards for Moore County.
As of September 2026, Moore County has 11 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $152,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Moore County
- BRETT STEGALL INSURANCE AGENCY INC, Dumas (General Lines Agency)
- CARRAY INSURANCE ADVISORS LLC, Dumas (General Lines Agency)
- CROP INSURANCE SOLUTIONS LLC, Dumas (General Lines Agency)
- DUMAS INSURANCE AGENCY LLC, Dumas (General Lines Agency)
- MARES INSURANCE AGENCY, LLC, Dumas (General Lines Agency)
- RICKY R. TAYLOR INSURANCE AGENCY LLC, Dumas (General Lines Agency)
- STIDHAM INSURANCE AGENCY INC, Dumas (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)