Home Insurance in Happy, Texas
The median home value in Happy is $91,800, 6% higher than the Swisher County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Happy was built around 1955. About 63% of homes were built before 1960, about 16 points above Swisher County's 47%.
In Happy, the housing stock is 82% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Happy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Happy are owner-occupied.
In Happy, 67% of homes are primarily heated with natural gas.
Swisher County had 12 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Swisher 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 | $91,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Swisher County | 12 |
| 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)