Home Insurance in Toyah, Texas
Homes in Toyah carry a median value of $53,800 - 54% lower than the Reeves County median.
The typical home in Toyah was built around 1985. About 29% of homes were built before 1960, about 1 point above Reeves County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Toyah breaks down to 100% single-family homes.
Almost no owner-occupied homes in Toyah carry a mortgage.
All occupied homes in Toyah are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Toyah - 64% - are primarily heated with electricity.
What's the biggest home insurance risk near Toyah? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Reeves County and 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.
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).
Key figures
| Median home value | $53,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)