HomeInsuranceQts

Home Insurance in Taylor County, Texas

Homes in Taylor County carry a median value of $198,600 - 30% lower than the Texas median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Taylor County was built around 1978. About 33% of homes were built before 1960, about 20 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 Taylor County is 74% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes.

In Taylor County, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 61% of occupied homes in Taylor County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Taylor County, 56% of homes are primarily heated with electricity.

FEMA's National Risk Index lists hail (Very High), winter weather (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for Taylor County.

Taylor County had 2,087 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.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

43 licensed insurance agencies serve this area.

Key figures

Median home value$198,600
Median year built1978
Owner-occupied share61%
Share of owner-occupied homes with a mortgage56%
Top hazards (FEMA National Risk Index)Hail (Very High), Winter Weather (Relatively High), Wildfire (Relatively Moderate)
Active NFIP flood policies (county)2,087
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Taylor County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources