Home Insurance in Parmer County, Texas
With a median home value of $146,700, Parmer County is 48% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Parmer County was built around 1973. About 24% of homes were built before 1960, about 12 points above Texas's 12%.
The housing stock in Parmer County is 84% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Parmer County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Parmer County are owner-occupied.
58% of homes in Parmer County are primarily heated with natural gas.
The top hazards for Parmer County, per FEMA's National Risk Index, are hail (Relatively Moderate), winter weather (Relatively Moderate) and wildfire (Relatively Low).
Parmer County had 4 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $146,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Winter Weather (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Parmer County
- E & A LEGACY LLC, Friona (General Lines Agency)
- GREEN CROP INSURANCE AGENCY INC, Farwell (General Lines Agency)
- JTS INSURANCE AGENCY INC, Farwell (General Lines Agency)
- LA PLATA INSURANCE AGENCY, LLC, Friona (General Lines Agency)
- LOPEZ INSURANCE AND FINANCIAL SERVICES, INC, Friona (General Lines Agency)
- SOLID ROCK EQUITY LLC, Friona (General Lines Agency)
- VECA WHITE, LLC, Friona (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)