Home Insurance in Town of Pecos, Texas
With a median home value of $117,300, Town of Pecos is close to the Reeves County median.
The typical home in Town of Pecos was built around 1976. About 26% of homes were built before 1960, about 1 point below Reeves County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Town of Pecos is 72% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
24% of owner-occupied homes in Town of Pecos carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Town of Pecos has an owner-occupancy rate of 71% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
50% of homes in Town of Pecos are primarily heated with natural gas.
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.
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 | $117,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)