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Home Insurance in Canyon, TX
See where Canyon stands against county and statewide figures before you compare home insurance quotes.
$4,115/yr
About $343/mo · ~$300k-$400k dwelling class
$2,296/yr
About $191/mo after modeled shopping discount
About 44.2% below local market estimate
Canyon, Randall County and Texas side by side
| Measure | Canyon | Randall County | Texas |
|---|---|---|---|
| Median home value | $240,300 | $238,800 | $283,800 |
| Median year built | 1983 | 1986 | 1992 |
| Owner-occupied homes | 54% | 68% | 63% |
| Single-family detached | 64% | 70% | 64% |
| Built before 1980 | 46% | 42% | 33% |
| Built 2000 or later | 32% | 36% | 39% |
| Manufactured homes | 6% | 7% | 6% |
By median build year, Canyon (1983) and Randall County (1986) are similar. 54% of occupied homes are owner-occupied in Canyon, below the Randall County share of 68%.
Census data shows a median home value of $240,300 in Canyon. It tracks the county median of $238,800 fairly closely. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Weather risk in Randall County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 183 hail reports |
| Tornadoes | Relatively High | 12 tornadoes |
| Strong wind | Relatively High | 90 thunderstorm wind reports |
| Inland flooding | Relatively Low | 27 flash floods |
| Wildfire | Relatively Moderate | – |
| Winter weather | Very High | – |
| Drought | Relatively High | – |
| Lightning | Relatively Moderate | – |
The National Risk Index from FEMA scores Randall County as relatively moderate for combined natural-hazard risk. Among individual perils, the top ratings go to winter weather (very high), hail (relatively high) and tornadoes (relatively high).
Randall County appears in 5 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Severe Winter Storms (2021), Wildfires (2011) and Extreme Wildfire Threat (2006).
What the comparison means for your policy
- Wind coverage in Randall County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in June 2010. Flood coverage is far from universal: 304 residential NFIP policies in Randall County, or about 1 per 167 homes. Since 2016, 41 NFIP flood claims have come from Randall County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Census estimates put the median construction year for homes in Canyon at 1983. Roughly 46% of the housing stock predates 1980 and 32% is from 2000 onward. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Contacts for Canyon homeowners
The Randall County appraisal district (www.prad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 5701 Hollywood Rd. Amarillo, TX 79118-4933. Watches and warnings for Canyon are issued by NWS Amarillo, TX. Radar coverage comes from the KAMA site.
Canyon belongs to Randall County. Randall County is a central county of the Amarillo metropolitan area. The nearest bigger city is Amarillo, about 15 miles from Canyon as the crow flies.
FAQ: Canyon home insurance
What does FEMA’s risk index say about Randall County?
Randall County is rated relatively moderate overall in FEMA’s National Risk Index. The top-rated hazards are winter weather (very high), hail (relatively high) and tornadoes (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
What does the Canyon savings estimate on this page mean?
The estimate cards above model about 44.2% below the local market figure for Canyon. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Do I have to carry homeowners insurance in Canyon?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Do I need a local agent for a Canyon home?
No. Canyon is about 15 miles south of Amarillo, 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.
Compare Canyon home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Disaster declarations (FEMA), Randall County
- Comptroller 2024 regions
- TWIA eligibility
- OMB metro and micro areas
- Census Gazetteer files
- FEMA NRI county ratings, Randall County
- FEMA Community Status Book
- NOAA Storm Events Database, Randall County
- Comptroller CAD listing, Randall County
- Comparison figures: Randall County value, Randall County build year, Texas value
- American Community Survey 2020–2024, Canyon city: median year built, tenure, home value, population, structure type, year built
- NFIP data (OpenFEMA), Randall County
- NWS Amarillo, TX