Home Insurance in Terry County, Texas
The median home value in Terry County is $105,400, 63% lower than the Texas median.
The typical home in Terry County was built around 1965. About 39% of homes were built before 1960, about 27 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Terry County, the housing stock is 87% single-family homes, 3% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Terry County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Terry County are owner-occupied.
In Terry County, 57% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Terry County's top hazards are hail (Relatively High), winter weather (Relatively Moderate) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Terry County has 10 active NFIP flood policies on file.
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).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $105,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Terry County
- BAR NON AG RISK MANAGEMENT, Brownfield (General Lines Agency)
- BENNETT CROP INSURANCE SERVICES, INC., Brownfield (General Lines Agency)
- HEDGES CROP INSURANCE, LLC, Brownfield (General Lines Agency)
- JONES & LOWE AGENCY INC, Brownfield (General Lines Agency)
- THE NICHOLSON AGENCY INC, Brownfield (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)