Home Insurance in Stonewall County, Texas
The median home value in Stonewall County is $48,600, 83% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stonewall County was built around 1971. About 32% of homes were built before 1960, about 19 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 Stonewall County is 81% single-family homes and 11% mobile or manufactured homes.
24% of owner-occupied homes in Stonewall County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Stonewall County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stonewall County, 72% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Stonewall County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Stonewall County has no active NFIP flood policies on file.
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.
Key figures
| Median home value | $48,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
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)