Home Insurance in Wichita Falls, Texas
Homes in Wichita Falls carry a median value of $156,800 - close to the Wichita County median.
The typical home in Wichita Falls was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 1 point above Wichita County's 31%.
In Wichita Falls, the housing stock is 70% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Wichita Falls, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wichita Falls has an owner-occupancy rate of 56% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Wichita Falls, 54% of homes are primarily heated with electricity.
Wichita County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
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.
This area lists 18 licensed insurance agencies.
Key figures
| Median home value | $156,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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 Wichita Falls
- ALL AMERICAN INSURANCE SERVICES OF TEXAS LLC, Wichita Falls (General Lines Agency)
- BOMER AND KETNER INSURANCE AGENCY, LLC, Wichita Falls (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)
- 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)
- MARK INMAN INSURANCE AGENCY, LLC, Wichita Falls (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)
- 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
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)