Home Insurance in Swisher County, Texas
The median home value in Swisher County is $86,300, 70% lower than the Texas median.
The typical home in Swisher County was built around 1961. About 47% of homes were built before 1960, about 34 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Swisher County, the housing stock is 87% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Swisher County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Swisher County are owner-occupied.
64% of homes in Swisher County are primarily heated with natural gas.
Per FEMA's National Risk Index, Swisher County's top hazards are hail (Relatively High), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Swisher County had 12 active National Flood Insurance Program policies 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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $86,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Swisher County
- HOOPER PROPERTIES, LLC, Tulia (General Lines Agency)
- JOLLY INSURANCE AGENCY, LLC, Kress (General Lines Agency)
- SADLER-CHAPMAN-HOWARD AGENCY INC, Tulia (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)