Home Insurance in Impact, Texas
The typical home in Impact was built around 1945. About 60% of homes were built before 1960, about 27 points above Taylor County's 33%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Impact is 100% single-family homes.
About 25% of owner-occupied homes in Impact have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Impact are owner-occupied.
Most homes in Impact - 80% - are primarily heated with natural gas.
Taylor County had 2,087 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Taylor County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
Key figures
| Median year built | 1945 |
|---|---|
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Taylor County | 2,087 |
| 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)