Home Insurance in Ballinger, Texas
With a median home value of $109,400, Ballinger is close to the Runnels County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ballinger was built around 1956. About 65% of homes were built before 1960, about 9 points above Runnels County's 55%.
The housing stock in Ballinger is 91% single-family homes and 3% mobile or manufactured homes.
In Ballinger, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ballinger has an owner-occupancy rate of 76% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Ballinger - 74% - are primarily heated with natural gas.
Runnels County had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Runnels 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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $109,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Runnels County | 20 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ballinger
- WILLINGHAM INSURANCE AGENCY LLP, Ballinger (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)