HomeInsuranceQts

Home Insurance in Abilene, Texas

With a median home value of $183,700, Abilene is 8% lower than the Taylor County median.

The typical home in Abilene was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 3 points above Taylor County's 33%.

The housing stock in Abilene is 72% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

56% of owner-occupied homes in Abilene carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Abilene are owner-occupied.

In Abilene, 52% of homes are primarily heated with electricity.

What's the biggest home insurance risk near Abilene? FEMA's National Risk Index points to hail (Very High) in Taylor County and Taylor County had 2,087 active NFIP flood policies as of September 2026. See the full Taylor County home insurance overview for all FEMA hazard ratings and flood coverage details.

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

42 licensed insurance agencies are listed for this area.

Key figures

Median home value$183,700
Median year built1975
Owner-occupied share56%
Share of owner-occupied homes with a mortgage56%
Top county hazardHail (Very High)
Active NFIP policies in Taylor County2,087
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Abilene, TX

Licensed insurance agencies in Abilene

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

Nearby towns

Sources

Data last updated: 2026-09-29