Home Insurance in Texhoma, Texas
Homes in Texhoma carry a median value of $134,400 - 9% lower than the Sherman County median.
The typical home in Texhoma was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 1 point above Sherman County's 39%.
In Texhoma, the housing stock is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Texhoma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Texhoma are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Texhoma, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Texhoma? FEMA's National Risk Index points to wildfire (Relatively Low) in Sherman County and Sherman County has no active NFIP flood policies on file. See the full Sherman 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 | $134,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)