Home Insurance in Balmorhea, Texas
Homes in Balmorhea carry a median value of $54,400 - 54% lower than the Reeves County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Balmorhea was built around 1969. About 32% of homes were built before 1960, about 5 points above Reeves County's 27%.
The housing stock in Balmorhea is 74% single-family homes, 3% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 19% of owner-occupied homes in Balmorhea have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Balmorhea are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Balmorhea, 57% of homes are primarily heated with electricity.
Reeves County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Reeves County had 18 active NFIP flood policies as of September 2026. See the full Reeves County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $54,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Reeves County | 18 |
| 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)