Homeowners Insurance in Wichita Falls, TX

For a home at Wichita Falls's median value of $156,800, we estimate about $1,640 a year — −43% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Wichita Falls

Est. premium

$1,640

$137/mo · median home

Median home value

$156,800

Texas: $283,800

Median year built

1972

Census ACS

Owner-occupied

56.4%

of households

Hazard score

74.3

state ref. 87.6

Wichita Falls's estimate reflects its home values (45% lower than the state median) and FEMA's hazard profile for Wichita County.

Natural hazard risk in Wichita Falls

FEMA National Risk Index — Wichita County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	95.2	Comprehensive (car); roof claims (home)
Tornado	Relatively High	92.8	Comprehensive; dwelling
Hurricane	Very Low	47.5	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	80.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	68.0	Comprehensive; dwelling
Winter weather	Relatively Moderate	82.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	92.6	Comprehensive; dwelling
Earthquake	Relatively Low	65.5	Home needs a separate earthquake policy
Lightning	Relatively Low	44.2	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Wichita Falls

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,990	$1,835
$300,000	$2,755	$2,535
$500,000	$4,145	$3,815
$750,000	$5,735	$5,275

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Wichita Falls

ZIP	Median home value	Owner-occupied	Est. premium
76308	$213,500	52.3%	$2,100
76310	$224,600	72.4%	$2,185
76301	$74,800	55.3%	$905
76306	$111,600	58.6%	$1,250
76309	$143,400	57.3%	$1,525
76302	$165,800	59.7%	$1,715
76305	$184,700	74.7%	$1,870

Homeowners insurance in Texas · Car insurance in Wichita Falls · Insurance offices near Wichita Falls

Frequently asked questions

How much is homeowners insurance in Wichita Falls?

For a home at Wichita Falls's median value of $156,800, we estimate about $1,640 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in Wichita Falls?

FEMA's National Risk Index rates Wichita County relatively high or very high for hail and tornado.

Does the age of homes in Wichita Falls affect insurance?

Yes. The median home in Wichita Falls was built in 1972 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Wichita County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page