Home Insurance in Tulia, Texas
The median home value in Tulia is $81,100, 6% lower 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 Tulia was built around 1959. About 51% of homes were built before 1960, about 4 points above Swisher County's 47%.
Housing in Tulia breaks down to 87% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Tulia, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tulia has an owner-occupancy rate of 56% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Tulia, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Tulia? FEMA's National Risk Index points to hail (Relatively High) in Swisher County and Swisher County had 12 active NFIP flood policies as of September 2026. 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $81,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Swisher County | 12 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Tulia
- HOOPER PROPERTIES, LLC, Tulia (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
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)
- Texas Department of Insurance - licensed agencies (2026)