Home Insurance in Ward County, Texas
With a median home value of $150,700, Ward County is 47% lower than the Texas median.
The typical home in Ward County was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 15 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ward County is 72% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 29% of owner-occupied homes in Ward County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Ward County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ward County - 56% - are primarily heated with electricity.
The top hazards for Ward County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and strong wind (Relatively Moderate).
Ward County had 6 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $150,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
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)