Home Insurance in Denver City, Texas
The median home value in Denver City is $172,800, 5% lower than the Yoakum County median.
The typical home in Denver City was built around 1975. About 26% of homes were built before 1960, in line with Yoakum County (26%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Denver City, the housing stock is 79% single-family homes, 7% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Denver City, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Denver City are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Denver City are primarily heated with natural gas.
What's the biggest home insurance risk near Denver City? FEMA's National Risk Index points to hail (Relatively Moderate) in Yoakum County and Yoakum County had 31 active NFIP flood policies as of September 2026. See the full Yoakum County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $172,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Yoakum County | 31 |
| 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)