Home Insurance in Pleasant Valley, Texas
The median home value in Pleasant Valley is $138,200, 10% lower than the Wichita County median.
The typical home in Pleasant Valley was built around 1981. About 12% of homes were built before 1960, about 19 points below Wichita County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pleasant Valley is 81% single-family homes and 18% mobile or manufactured homes.
34% of owner-occupied homes in Pleasant Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Pleasant Valley are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pleasant Valley - 66% - are primarily heated with electricity.
Wichita County had 681 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Wichita 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 home value | $138,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Wichita County | 681 |
| 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)