Home Insurance in Andrews, TX

Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.

Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Andrews participates in the National Flood Insurance Program, and its current flood map took effect in October 2007. In Andrews County, about 1 in 3,427 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.

Overall, FEMA scores Andrews County as very low. The highest individual ratings are for hail (relatively moderate) and drought (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.

Our illustrative TX Insurance Resources estimate for Andrews reflects a modeled 35% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.

Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.

No. Andrews is about 33 miles northwest of Midland, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.

Andrews County has been included in 4 natural-hazard major disaster declarations since 2000. The most recent was Severe Winter Storms, declared in February 2021. FEMA assistance is capped and is not a substitute for insurance.

Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Andrews County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.

Census estimates put the median build year at 1976, with about 56% of homes older than 1980. Upgrades matter: a newer roof and updated wiring can open up more carriers and better prices.