Home Insurance in Friona, Texas
The median home value in Friona is $125,500, 14% lower than the Parmer County median.
The typical home in Friona was built around 1972. About 24% of homes were built before 1960, in line with Parmer County (24%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Friona is 88% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Friona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Friona has an owner-occupancy rate of 80% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Friona, 76% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Friona? FEMA's National Risk Index points to hail (Relatively Moderate) in Parmer County and Parmer County had 4 active NFIP flood policies as of September 2026. See the full Parmer 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).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $125,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Parmer County | 4 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Friona
- E & A LEGACY LLC, Friona (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
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)