Home Insurance in Blackwell, Texas
Homes in Blackwell carry a median value of $82,100 - 15% lower than the Nolan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blackwell was built around 1964. About 37% of homes were built before 1960, about 3 points below Nolan County's 40%.
In Blackwell, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 16% of owner-occupied homes in Blackwell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Blackwell are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Blackwell, 50% of homes are primarily heated with electricity.
FEMA rates Nolan County's overall risk as Very Low, led by wildfire (Relatively Low). Nolan County had 67 active NFIP flood policies as of September 2026. See the full Nolan 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.
Key figures
| Median home value | $82,100 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Nolan County | 67 |
| 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)