Home Insurance in Vernon, Texas
Homes in Vernon carry a median value of $87,000 - close to the Wilbarger County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Vernon was built around 1963. About 46% of homes were built before 1960, about 1 point above Wilbarger County's 44%.
Housing in Vernon breaks down to 78% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 43% of owner-occupied homes in Vernon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vernon has an owner-occupancy rate of 63% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
63% of homes in Vernon are primarily heated with natural gas.
FEMA rates Wilbarger County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wilbarger County had 28 active NFIP flood policies as of September 2026. See the full Wilbarger 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).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $87,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wilbarger County | 28 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Vernon
- 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
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)