Home Insurance in Wichita County, Texas
Homes in Wichita County carry a median value of $153,700 - 46% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Wichita County was built around 1972. About 31% of homes were built before 1960, about 19 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 Wichita County is 73% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
49% of owner-occupied homes in Wichita County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wichita County has an owner-occupancy rate of 61% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Wichita County - 54% - are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively High), tornado (Relatively High) and wildfire (Relatively Moderate) as the leading hazards for Wichita County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Wichita County has 681 active NFIP flood policies on file.
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.
25 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $153,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 681 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Wichita County
- ALL AMERICAN INSURANCE SERVICES OF TEXAS LLC, Wichita Falls (General Lines Agency)
- BOMER AND KETNER INSURANCE AGENCY, LLC, Wichita Falls (General Lines Agency)
- BRENDA WISE INSURANCE AGENCY INC, Iowa Park (General Lines Agency)
- BURK INSURANCE AGENCY INC, Burkburnett (General Lines Agency)
- DICKEY MCGANN & ROWE INC, Electra (General Lines Agency)
- FALLS TOWN INSURANCE AGENCY, LLC, Wichita Falls (General Lines Agency)
- HOLUB INSURANCE AGENCY, Wichita Falls (General Lines Agency)
- HOOVER INSURANCE AGENCY, LLC, Wichita Falls (General Lines Agency)
- JOHN LEE STOILOFF INSURANCE AGENCY, INC., Wichita Falls (General Lines Agency)
- JOHNNY DIAZ INSURANCE AGENCY LLC, Iowa Park (General Lines Agency)
- KELLY HO-MONTOYA INSURANCE GROUP, L.L.C., Wichita Falls (General Lines Agency)
- KENNETH CLULEY INSURANCE AND FINANCIAL SERVICES INC, Wichita Falls (General Lines Agency)
- KEVIN KULLE INSURANCE AGENCY, INC., Wichita Falls (General Lines Agency)
- KURSZEWSKI INSURANCE AGENCY, LLC, Burkburnett (General Lines Agency)
- MARK INMAN INSURANCE AGENCY, LLC, Wichita Falls (General Lines Agency)
- MATT HORN INSURANCE AGENCY, INC, Burkburnett (General Lines Agency)
- MCCRAY INSURANCE AGENCY, LLC, Wichita Falls (General Lines Agency)
- MIKE MORRIS INSURANCE & FINANCIAL SERVICES, INC, Wichita Falls (General Lines Agency)
- MORRIS INSURANCE AGENCY, LLC, Wichita Falls (General Lines Agency)
- PATTON CROP INSURANCE AGENCY, LLC, Electra (General Lines Agency)
- POND INSURANCE AGENCY LTD, Wichita Falls (General Lines Agency)
- RAY ESPARZA INC., Wichita Falls (General Lines Agency)
- THAI HOANG INSURANCE AGENCY, INC., Wichita Falls (General Lines Agency)
- UNION SQUARE INSURANCE AGENCY LLC, Wichita Falls (General Lines Agency)
- WD INSURANCE AGENCY LLC, Wichita Falls (Pers Lines Prop and Cas Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)