Home Insurance in Wilbarger County, Texas
Homes in Wilbarger County carry a median value of $89,400 - 68% lower than the Texas median.
The typical home in Wilbarger County was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 32 points above Texas's 12%.
In Wilbarger County, the housing stock is 80% single-family homes, 6% 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.
43% of owner-occupied homes in Wilbarger County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wilbarger County has an owner-occupancy rate of 67% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Wilbarger County - 54% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Wilbarger County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Relatively Low).
Wilbarger County had 28 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $89,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 28 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Wilbarger County
- BRANTLEY & WRIGHT LLC, Vernon (General Lines Agency)
- BROCK FAMILY INSURANCE SERVICE, LLC, Vernon (General Lines Agency)
- COFFEE INSURANCE AGENCY INC, Vernon (General Lines Agency)
- DAVIS-VERNON AGENCY INC, Vernon (General Lines 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)