Home Insurance in Brownfield, Texas
Homes in Brownfield carry a median value of $100,600 - close to the Terry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brownfield was built around 1964. About 43% of homes were built before 1960, about 4 points above Terry County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brownfield is 89% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Brownfield, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brownfield has an owner-occupancy rate of 66% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Brownfield - 59% - are primarily heated with natural gas.
Terry County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Terry County had 10 active NFIP flood policies as of September 2026. See the full Terry County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $100,600 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Terry County | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Brownfield
- 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
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)
- Texas Department of Insurance - licensed agencies (2026)