Home Insurance in Shamrock, Texas
Homes in Shamrock carry a median value of $91,000 - 14% lower than the Wheeler County median.
The typical home in Shamrock was built around 1962. About 49% of homes were built before 1960, about 6 points above Wheeler County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Shamrock is 93% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Shamrock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shamrock has an owner-occupancy rate of 76% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Shamrock - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near Shamrock? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Wheeler County and Wheeler County had 9 active NFIP flood policies as of September 2026. 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $91,000 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Wheeler County | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Shamrock
- KABIR INSURANCE AGENCY LLC, Shamrock (General Lines Agency)
- VIDZ OF LIFE LLC, Shamrock (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)