Home Insurance in Reagan County, Texas
With a median home value of $171,500, Reagan County is 40% lower than the Texas median.
The typical home in Reagan County was built around 1982. About 19% of homes were built before 1960, about 7 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Reagan County is 72% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 29% of owner-occupied homes in Reagan County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Reagan County are owner-occupied.
60% of homes in Reagan County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Reagan County, per FEMA's National Risk Index, are wildfire (Very Low), hail (Relatively Low) and winter weather (Very Low).
Reagan County has no active NFIP flood policies on file. 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.
Key figures
| Median home value | $171,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Relatively Low), Winter Weather (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
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)