Home Insurance in Aspermont, Texas
With a median home value of $39,000, Aspermont is 20% lower than the Stonewall County median.
The typical home in Aspermont was built around 1971. About 31% of homes were built before 1960, in line with Stonewall County (32%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Aspermont is 79% single-family homes and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Aspermont, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Aspermont are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Aspermont - 72% - 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 rates Stonewall County's overall risk as Very Low, led by wildfire (Relatively Low). Stonewall County has no active NFIP flood policies on file. See the full Stonewall 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 | $39,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)