Home Insurance in Marfa, Texas
Homes in Marfa carry a median value of $251,400 - 107% higher than the Presidio County median.
The typical home in Marfa was built around 1949. About 66% of homes were built before 1960, about 32 points above Presidio County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marfa is 73% single-family homes and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Marfa, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Marfa are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
45% of homes in Marfa are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Presidio County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Presidio County had 25 active NFIP flood policies as of September 2026. See the full Presidio 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $251,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Presidio County | 25 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Marfa
- TECOLOTE INSURANCE AGENCY, LLC, Marfa (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)