Home Insurance in Perryton, Texas
Homes in Perryton carry a median value of $126,500 - 6% lower than the Ochiltree County median.
The typical home in Perryton was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, in line with Ochiltree County (14%).
The housing stock in Perryton is 75% single-family homes, 8% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Perryton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Perryton are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Perryton - 72% - are primarily heated with natural gas.
Ochiltree County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Ochiltree County has no active NFIP flood policies on file. See the full Ochiltree 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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $126,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Perryton
- 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
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)