Home Insurance in Ochiltree County, Texas
The median home value in Ochiltree County is $134,400, 53% lower than the Texas median.
The typical home in Ochiltree County was built around 1976. About 14% of homes were built before 1960, about 2 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ochiltree County is 73% single-family homes, 9% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 26% of owner-occupied homes in Ochiltree County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ochiltree County has an owner-occupancy rate of 73% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Ochiltree County, 66% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists wildfire (Relatively Low), winter weather (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Ochiltree County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Ochiltree County has no active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $134,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Hail (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Ochiltree County
- COWAN INSURANCE AGENCY, LLC, Perryton (General Lines Agency)
- CROSSROADS PROTECTION INSURANCE AGENCY, LLC, Perryton (General Lines Agency)
- EQUITY RISK MANAGEMENT SERVICES, L.L.C., Perryton (General Lines Agency)
- INTERSTATE INSURANCE AGENCY LLC, Perryton (General Lines Agency)
- PERRYTON INSURANCE AGENCY LLC, Perryton (General Lines Agency)
- SCHICKEDANZ INSURANCE AGENCY, Perryton (General Lines Agency)
- THE LAMASTER AGENCY, LLC, Perryton (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)