Home Insurance in Dumas, Texas
The median home value in Dumas is $156,300, close to the Moore County median.
The typical home in Dumas was built around 1972. About 28% of homes were built before 1960, about 3 points above Moore County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dumas, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Dumas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Dumas are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Dumas, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Dumas? FEMA's National Risk Index points to winter weather (Relatively High) in Moore County and Moore County had 11 active NFIP flood policies as of September 2026. See the full Moore County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $156,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Moore County | 11 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dumas
- 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
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)