Home Insurance in Throckmorton, Texas
With a median home value of $70,700, Throckmorton is 21% lower than the Throckmorton County median.
The typical home in Throckmorton was built around 1956. About 62% of homes were built before 1960, about 14 points above Throckmorton County's 48%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Throckmorton is 88% single-family homes and 4% mobile or manufactured homes.
14% of owner-occupied homes in Throckmorton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Throckmorton are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Throckmorton are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Throckmorton County's overall risk as Very Low, led by wildfire (Relatively Low). Throckmorton County had 1 active NFIP flood policy as of September 2026. See the full Throckmorton 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).
Key figures
| Median home value | $70,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Throckmorton County | 1 |
| 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)