Home Insurance in Wink, Texas
The median home value in Wink is $121,900, 18% lower than the Winkler County median.
The typical home in Wink was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, in line with Winkler County (26%).
In Wink, the housing stock is 72% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Wink have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Wink are owner-occupied.
In Wink, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Wink? FEMA's National Risk Index points to wildfire (Very Low) in Winkler County and Winkler County has no active NFIP flood policies on file. See the full Winkler 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.
Key figures
| Median home value | $121,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Wildfire (Very Low) |
| 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)