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Home Insurance in Dalhart, TX
Six steps to a better homeowners policy in Dalhart, built around Dallam County hazard and housing data.
A six-step plan for insuring a Dalhart home
- Start with the appraisal record. Square footage and build year on file with the Dallam appraisal district (www.dallamcad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 401 Denver Ave. Dalhart, TX 79022-2713.
- Set the dwelling limit from rebuild cost. The typical owner-occupied home in Dalhart is valued at about $161,600. Dallam County as a whole is in the same range, at $151,400. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
- Choose a wind and hail deductible. From 2016 to 2025, 74 hail events were recorded in Dallam County in NOAA’s Storm Events Database. In 63 cases the hail was an inch across or bigger. The top report was 4-inch hail on June 13, 2023. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Check the wind arrangement. Dallam County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- Do not skip the flood question. NFIP flood policies are available in Dalhart, a participating community. The flood insurance rate map in effect was issued in February 1991. Only about 1 in 300 homes in Dallam County carries an NFIP policy (9 residential policies). A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
- Compare apples to apples. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Dalhart quotes at once; start a quote here.
$4,053/yr
About $338/mo · ~$300k-$400k dwelling class
$2,274/yr
About $190/mo after modeled shopping discount
About 43.9% below local market estimate
Numbers to keep handy
FEMA’s county-level National Risk Index puts Dallam County in the relatively low band overall. The highest-rated individual hazards are drought (relatively high), winter weather (relatively moderate) and lightning (relatively moderate).
About Dalhart
Dalhart crosses into Hartley County, but Dallam County contains most of it, so that is the county used for the data below. By federal definition Dallam County is rural, outside every metro and micro area. The nearest bigger city is Amarillo, about 71 miles from Dalhart as the crow flies.
In Dalhart, 65% of occupied homes are lived in by their owners and 74% of units are detached houses. Half of the housing in Dalhart dates from 1978 or earlier, per Census estimates. The split is roughly 53% pre-1980 construction versus 15% built from 2000 on.
Dalhart is covered by the NWS Amarillo, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KAMA.
FAQ: shopping in Dalhart
Should I compare quotes every year in Dalhart?
Check before each renewal. Carriers adjust rates and underwriting appetite over time, so last year’s best price may not hold.
What is a typical savings range when switching?
The estimate cards above model about 43.9% below the local market figure for Dalhart. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Is homeowners coverage mandatory for Dalhart homeowners?
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.
Does my Dalhart policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Dallam County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Compare Dalhart home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Comptroller county directory, Dallam County
- FEMA disaster declarations, Dallam County
- Comptroller 2024 regions
- OpenFEMA NFIP data, Dallam County
- American Community Survey 2020–2024, Dalhart city: population, home value, median year built, year built, structure type, tenure
- Census metro delineation
- Census Gazetteer files
- FEMA National Risk Index, Dallam County
- NWS Amarillo, TX
- Storm Events Database (NOAA), Dallam County
- Community Status Book (NFIP)
- Texas Windstorm Insurance Association
- Comparison figures: Dallam County value, Dallam County build year