Home Insurance in Winkler County, Texas
Homes in Winkler County carry a median value of $148,200 - 48% lower than the Texas median.
The typical home in Winkler County was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 13 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winkler County is 86% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
25% of owner-occupied homes in Winkler County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Winkler County are owner-occupied.
55% of homes in Winkler County are primarily heated with natural gas.
The top hazards for Winkler County, per FEMA's National Risk Index, are wildfire (Very Low), hail (Relatively Low) and winter weather (Relatively Low).
Winkler County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $148,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Winkler County
- B. INMAN INSURANCE AND FINANCIAL SERVICES, INC., Monahans (General Lines Agency)
- SAWYER & ASSOCIATES INSURANCE AGENCY, L.L.C., Monahans (General Lines Agency)
- STEVENSON AGENCY, INC, Monahans (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)