Home Insurance in Winters, Texas
The median home value in Winters is $55,100, 50% lower than the Runnels County median.
The typical home in Winters was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, in line with Runnels County (55%).
Housing in Winters breaks down to 85% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Winters, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Winters are owner-occupied.
54% of homes in Winters are primarily heated with natural gas.
FEMA rates Runnels County's overall risk as Very Low, led by hail (Relatively Moderate). Runnels County had 20 active NFIP flood policies as of September 2026. 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.
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $55,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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 Winters
- CSG INSURANCE SERVICES, INC, Winters (General Lines Agency)
- GPS INSURANCE AGENCY, LLC, Winters (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)