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Home Insurance in Childress, TX
Side-by-side numbers for Childress, Childress County and the state, covering housing, hazards and flood insurance.
$4,331/yr
About $361/mo · ~$300k-$400k dwelling class
$2,503/yr
About $209/mo after modeled shopping discount
About 42.2% below local market estimate
Childress compared with Childress County and Texas
| Measure | Childress | Childress County | Texas |
|---|---|---|---|
| Median home value | – | – | $283,800 |
| Median year built | 1961 | 1963 | 1992 |
| Owner-occupied homes | 65% | 71% | 63% |
| Single-family detached | 75% | 76% | 64% |
| Built before 1980 | 72% | 67% | 33% |
| Built 2000 or later | 15% | 18% | 39% |
| Manufactured homes | 7% | 8% | 6% |
By median build year, Childress (1961) and Childress County (1963) are similar.
Childress County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 45 hail reports |
| Tornadoes | Relatively Low | 0 tornadoes |
| Strong wind | Relatively High | 42 thunderstorm wind reports |
| Inland flooding | Very Low | 3 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively High | – |
| Lightning | Very Low | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Childress County as very low. Among individual perils, the top ratings go to strong wind (relatively high), drought (relatively high) and hail (relatively moderate).
FEMA has issued 5 natural-hazard major disaster declarations covering Childress County since 2000. Among the most recent are Severe Winter Storms (2021), Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016) and Wildfires (2011).
What the comparison means for your policy
- TWIA does not write in Childress County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Because Childress is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in August 1987. NFIP data counts 1 residential flood policies in Childress County, about 1 for every 2,739 homes. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 1961 is the median year built for housing units in Childress. About 72% of homes went up before 1980, while 15% were built in 2000 or later. Older homes can carry original wiring, galvanized or cast-iron plumbing and roofs on their second or third replacement, and underwriters ask about all three.
Where to verify Childress details
Your property record, including square footage and year built, is on the Childress appraisal district site at www.childresscad.org (phone 940-937-6062). The district office address is 1710 Avenue F N.W. Childress, TX 79201-3756. Severe weather warnings for Childress come from the NWS Lubbock, TX office. The radar the weather service assigns to this point is KFDR.
Childress County is home to Childress. Childress County is not part of a metropolitan or micropolitan area in the federal delineation. Childress lies northeast of Lubbock, around 110 miles away in a straight line.
Questions Childress homeowners ask
What does FEMA’s risk index say about Childress County?
Overall, FEMA scores Childress County as very low. Its standout hazards are strong wind (relatively high), drought (relatively high) and hail (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
How often has Childress County had federal disaster declarations?
Childress County has been included in 5 natural-hazard major disaster declarations since 2000. The most recent was Severe Winter Storms, declared in February 2021. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Do I need a local agent for a Childress home?
No. Childress is about 110 miles northeast of Lubbock, 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.
Do I have to carry homeowners insurance in Childress?
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.
Compare Childress home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA coverage area
- Texas Comptroller regions
- NWS Lubbock, TX
- American Community Survey 2020–2024, Childress city: tenure, year built, median year built, home value, structure type, population
- County and state comparisons: Childress County value, Childress County build year, Texas value
- OpenFEMA NFIP data, Childress County
- NOAA NCEI storm reports, Childress County
- Census metro delineation
- Census Gazetteer files
- Texas property tax directory, Childress County
- FEMA declared disasters, Childress County
- National Risk Index (FEMA), Childress County
- NFIP Community Status Book