Home Insurance in Wickett, Texas
With a median home value of $84,700, Wickett is 44% lower than the Ward County median.
The typical home in Wickett was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 2 points below Ward County's 27%.
The housing stock in Wickett is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
15% of owner-occupied homes in Wickett carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Wickett are owner-occupied.
In Wickett, 61% of homes are primarily heated with electricity.
Ward County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Ward County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $84,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Ward County | 6 |
| 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)