Home Insurance in Matador, Texas
Homes in Matador carry a median value of $87,600 - close to the Motley County median.
The typical home in Matador was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 3 points above Motley County's 48%.
The housing stock in Matador is 86% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Matador, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Matador are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Matador, 60% of homes are primarily heated with electricity.
Motley County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Motley 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).
Key figures
| Median home value | $87,600 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)