Home Insurance in Fort Stockton, Texas
The median home value in Fort Stockton is $199,600, 20% higher than the Pecos County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fort Stockton was built around 1975. About 21% of homes were built before 1960, about 3 points above Pecos County's 18%.
In Fort Stockton, the housing stock is 80% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 61% of owner-occupied homes in Fort Stockton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fort Stockton has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Fort Stockton, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fort Stockton? FEMA's National Risk Index points to hail (Relatively Moderate) in Pecos County and Pecos County had 11 active NFIP flood policies as of September 2026. See the full Pecos 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).
Key figures
| Median home value | $199,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pecos County | 11 |
| 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)