HomeInsuranceQts

Home Insurance in Potter County, Texas

With a median home value of $147,300, Potter County is 48% lower than the Texas median.

The typical home in Potter County was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 33 points above Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Potter County is 71% single-family homes, 15% apartments in buildings with 5+ units and 8% mobile or manufactured homes.

About 45% of owner-occupied homes in Potter County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 57% of occupied homes in Potter County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

62% of homes in Potter County are primarily heated with natural gas.

Per FEMA's National Risk Index, Potter County's top hazards are winter weather (Very High), hail (Very High) and tornado (Relatively High).

Potter County had 196 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.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

69 licensed insurance agencies serve this area.

Key figures

Median home value$147,300
Median year built1963
Owner-occupied share57%
Share of owner-occupied homes with a mortgage45%
Top hazards (FEMA National Risk Index)Winter Weather (Very High), Hail (Very High), Tornado (Relatively High)
Active NFIP flood policies (county)196
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Potter County

...and 9 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources