Home Insurance in Burkburnett, Texas
The median home value in Burkburnett is $151,900, close to the Wichita County median.
The typical home in Burkburnett was built around 1973. About 29% of homes were built before 1960, about 3 points below Wichita County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Burkburnett is 79% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 52% of owner-occupied homes in Burkburnett have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Burkburnett has an owner-occupancy rate of 69% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Burkburnett, 51% of homes are primarily heated with electricity.
FEMA rates Wichita County's overall risk as Relatively Moderate, led by hail (Relatively High). Wichita County had 681 active NFIP flood policies as of September 2026. See the full Wichita County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $151,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Wichita County | 681 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Burkburnett
- BURK INSURANCE AGENCY INC, Burkburnett (General Lines Agency)
- KURSZEWSKI INSURANCE AGENCY, LLC, Burkburnett (General Lines Agency)
- MATT HORN INSURANCE AGENCY, INC, Burkburnett (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)