Home Insurance in Randall County, Texas
The median home value in Randall County is $238,800, 16% lower than the Texas median.
The typical home in Randall County was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, in line with Texas (12%).
In Randall County, the housing stock is 74% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Randall County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Randall County are owner-occupied.
57% of homes in Randall County are primarily heated with natural gas.
The top hazards for Randall County, per FEMA's National Risk Index, are winter weather (Very High), hail (Relatively High) and tornado (Relatively High).
Randall County had 313 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.
10 licensed insurance agencies serve this area.
Key figures
| Median home value | $238,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hail (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 313 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Randall County
- ASHLEY LITTLE INSURANCE AGENCY LLC, Canyon (General Lines Agency)
- C G F M, LLC, Canyon (General Lines Agency)
- CANYON INSURANCE ASSOCIATES INC, Canyon (General Lines Agency)
- CARTWRIGHT INSURANCE AGENCY, LLC, Canyon (General Lines Agency)
- DIAMOND M INSURANCE AGENCY, LLC, Canyon (General Lines Agency)
- DON MOORE INSURANCE SERVICES, LLC, Canyon (General Lines Agency)
- GRIGGS INSURANCE AGENCY, INC., Canyon (General Lines Agency)
- RAMPY INSURANCE SERVICES INC, Canyon (General Lines Agency)
- ROGER GIST INSURANCE AGENCY, LLC, Canyon (General Lines Agency)
- WARD INSURANCE AGENCY OF CANYON INC, Canyon (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)