Home Insurance in Oldham County, Texas
The median home value in Oldham County is $162,800, 43% lower than the Texas median.
The typical home in Oldham County was built around 1967. About 33% of homes were built before 1960, about 21 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Oldham County is 82% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Oldham County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oldham County has an owner-occupancy rate of 74% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 53% of homes in Oldham County are primarily heated with natural gas.
Per FEMA's National Risk Index, Oldham County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low).
Oldham County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $162,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Oldham County
- TOWN & COUNTRY AGRIBUSINESS, INC., Vega (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)