Home Insurance in Schleicher County, Texas
The median home value in Schleicher County is $122,700, 57% lower than the Texas median.
The typical home in Schleicher County was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 20 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Schleicher County is 88% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 42% of owner-occupied homes in Schleicher County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Schleicher County has an owner-occupancy rate of 84% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Schleicher County - 57% - are primarily heated with electricity.
The top hazards for Schleicher County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and hurricane (Very Low).
Schleicher County had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 are listed for this area.
Key figures
| Median home value | $122,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 1 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Schleicher County
- CONNIE ANDREWS INC, Eldorado (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)