Home Insurance in Merkel, Texas
The median home value in Merkel is $115,100, 42% lower than the Taylor County median.
The typical home in Merkel was built around 1961. About 49% of homes were built before 1960, about 16 points above Taylor County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Merkel, the housing stock is 79% single-family homes, 1% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Merkel, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Merkel are owner-occupied.
In Merkel, 48% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Merkel? 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).
Key figures
| Median home value | $115,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)