Home Insurance in Shackelford County, Texas
With a median home value of $174,800, Shackelford County is 38% lower than the Texas median.
The typical home in Shackelford County was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 27 points above Texas's 12%.
In Shackelford County, the housing stock is 81% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Shackelford County, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Shackelford County are owner-occupied.
In Shackelford County, 59% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and hurricane (Very Low) as the leading hazards for Shackelford County.
As of September 2026, Shackelford County has 22 active NFIP flood insurance policies. 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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $174,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 22 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Shackelford County
- 2MORROW INSURANCE GROUP, INC., Albany (General Lines Agency)
- MIO INSURANCE AGENCY LLC, Albany (General Lines Agency)
- RAMCO INSURANCE SERVICES, LLC, Albany (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)