Home Insurance in Adrian, Texas
Homes in Adrian carry a median value of $77,700 - 52% lower than the Oldham County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Adrian was built around 1975. About 29% of homes were built before 1960, about 4 points below Oldham County's 33%.
In Adrian, the housing stock is 70% single-family homes, 8% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Adrian, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Adrian are owner-occupied. The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Adrian - 59% - 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.
FEMA rates Oldham County's overall risk as Very Low, led by wildfire (Relatively Low). Oldham County has no active NFIP flood policies on file. See the full Oldham County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $77,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)