Home / Texas Home Insurance Locations / Abilene
Home Insurance in Abilene, TX
Half of the homes in Abilene were built in 1975 or earlier. Here is how the local housing stock shapes coverage and price.
Abilene homes at a glance
Detached houses represent about 69% of the housing in Abilene, where 56% of households own their home.
How age and construction affect a Abilene quote
According to the Census Bureau, the typical home in Abilene went up around 1975. Pre-1980 houses are about 56% of the stock, and post-2000 houses about 19%. Many of these houses predate modern building codes, so documenting upgrades such as a newer panel or repiped plumbing can widen your carrier choices.
$3,909/yr
About $326/mo · ~$300k-$400k dwelling class
$2,529/yr
About $211/mo after modeled shopping discount
About 35.3% below local market estimate
Setting the dwelling limit in Abilene
Median home value: $183,700, according to the latest five-year Census survey. The Taylor County median is similar, at $198,600. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Coverage A through F for a Abilene home
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Guest medical coverage that can head off a liability claim.
Hazards Abilene homes are exposed to
The National Risk Index from FEMA scores Taylor County as relatively moderate for combined natural-hazard risk. Its leading hazards, by rating, are hail (very high), winter weather (relatively high) and lightning (relatively high). Taylor County had 118 hail reports in NOAA’s storm records for 2016 through 2025. In 104 cases the hail was an inch across or bigger. The top report was 3-inch hail on April 25, 2023.
There is no TWIA option in Taylor County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Where to look up your Abilene home
The Taylor County appraisal district (www.taylor-cad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 1534 S. Treadaway Abilene, TX 79602-4927.
Abilene crosses into Jones County, but Taylor County contains most of it, so that is the county used for the data below. In the federal metro delineation, Taylor County anchors the Abilene metro. The nearest bigger city is Fort Worth, about 141 miles from Abilene as the crow flies.
Common questions from Abilene homeowners
Does the age of Abilene housing affect insurance?
Half the homes were built by 1975, and roughly 56% are pre-1980, according to the Census Bureau. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
Should I insure my Abilene home for its market value?
Not necessarily. The Census median home value in Abilene is $183,700, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Does homeowners insurance in Abilene cover flooding?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. NFIP coverage is available because Abilene is a participating community, and its current flood map took effect in January 2012. Only about 1 in 26 Taylor County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Do I have to carry homeowners insurance in Abilene?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Ready to price your Abilene home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Abilene page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA NCEI storm reports, Taylor County
- TWIA eligibility
- NFIP data (OpenFEMA), Taylor County
- FEMA NRI county ratings, Taylor County
- County and state comparisons: Taylor County value, Taylor County build year
- Comptroller CAD listing, Taylor County
- FEMA Community Status Book
- Census metro delineation
- Census Gazetteer files
- Texas Comptroller regions
- Census ACS 2020–2024, Abilene city: structure type, home value, tenure, population, median year built, year built