Home Insurance in Nolan County, Texas
With a median home value of $96,300, Nolan County is 66% lower than the Texas median.
The typical home in Nolan County was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 28 points above Texas's 12%.
The housing stock in Nolan County is 78% single-family homes, 7% apartments in buildings with 5+ units 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 Nolan County, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nolan County has an owner-occupancy rate of 68% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Nolan County - 56% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Nolan County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Nolan County has 67 active NFIP flood insurance policies. 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).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $96,300 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Nolan County
- CLARK AGENCY INC, Sweetwater (General Lines Agency)
- D-MAC SERVICES, LLC, Sweetwater (General Lines Agency)
- JARVIS R HAYNES, INC., Roscoe (General Lines Agency)
- PIEPER & PARKS CROP INSURANCE AGENCY, LLC, Roscoe (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)