Home Insurance in Mobeetie, Texas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mobeetie was built around 1948. About 74% of homes were built before 1960, about 31 points above Wheeler County's 43%.
The housing stock in Mobeetie is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
4% of owner-occupied homes in Mobeetie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Mobeetie are owner-occupied.
72% of homes in Mobeetie are primarily heated with natural gas.
Wheeler County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Wheeler County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median year built | 1948 |
|---|---|
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 4% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Wheeler County | 9 |
| 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)