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Home Insurance in Denver City, TX
Denver City homeowners insure against drought and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$4,320/yr
About $360/mo · ~$300k-$400k dwelling class
$2,799/yr
About $233/mo after modeled shopping discount
About 35.2% below local market estimate
What FEMA’s ratings say about Denver City
The National Risk Index from FEMA scores Yoakum County as relatively low for combined natural-hazard risk. Among individual perils, the top ratings go to drought (relatively high), hail (relatively moderate) and strong wind (relatively moderate).
FEMA rates drought relatively high; watering around the foundation in dry months helps, since settling damage is usually excluded.
With hail rated relatively moderate, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
FEMA rates strong wind relatively moderate; shingles, fences and carports are the usual casualties.
With cold waves rated relatively moderate, protecting exposed plumbing helps avoid water-damage claims.
The Yoakum County storm record, 2016 to 2025
Yoakum County had 18 hail reports in NOAA’s storm records for 2016 through 2025. Of these, 16 reached at least one inch in diameter. The biggest stones, 3.5 inches across, fell on May 30, 2024. Tornado records for Yoakum County show 1 touchdown from 2016 through 2025.
Severe thunderstorm winds were reported 26 times, the strongest near 79 mph. NOAA also counts 1 flash flood event in the county in that period.
Counting from 2000, 3 major disaster declarations for natural hazards have included Yoakum County. Recent ones: Severe Winter Storms (2021), Extreme Wildfire Threat (2006) and Hurricane Rita (2005).
Windstorm questions for Denver City homes
Yoakum 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.
Flood risk and coverage for Denver City
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in July 1989. In Yoakum County, roughly 1 home in 102 has federal flood coverage (30 residential policies in force). Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Search the FEMA Flood Map Service Center by street address to find your zone.
How Denver City homes are built and valued
The median home in Denver City was built in 1975. Homes built before 1980 make up about 67% of the total; those built since 2000 account for 11%. Median home value: $172,800, according to the latest five-year Census survey. The Yoakum County median is similar, at $182,600. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local records and contacts for Denver City
Denver City straddles county lines; county-level figures here use Yoakum County, though parts of Denver City sit in Gaines County. By federal definition Yoakum County is rural, outside every metro and micro area. By straight-line distance, Denver City is about 68 miles southwest of Lubbock.
Insurers often check the appraisal district record, so confirm that what the Yoakum district shows at www.yoakumcad.org matches your home. You can also visit the office at 500 Cowboy Way Plains, TX 79355-9998. Watches and warnings for Denver City are issued by NWS Lubbock, TX. The associated NEXRAD radar is KLBB.
Denver City hazard and coverage questions
Will my policy cover foundation problems from drought in Denver City?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively high in Yoakum County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Are tornadoes covered on a Denver City home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Yoakum County had 1 tornado in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is Denver City in the TWIA coverage area?
No. Yoakum County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Does homeowners insurance in Denver City cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Denver City is a participating community, and its current flood map took effect in July 1989. Only about 1 in 102 Yoakum County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Request a Denver City homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Denver City page
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA Community Status Book
- FEMA NRI county ratings, Yoakum County
- OpenFEMA NFIP data, Yoakum County
- Comptroller county directory, Yoakum County
- TWIA coverage area
- Census CBSA delineation
- Census Gazetteer coordinates
- Comptroller 2024 regions
- County and state comparisons: Yoakum County value, Yoakum County build year
- American Community Survey 2020–2024, Denver City town: structure type, population, tenure, median year built, home value, year built
- NOAA Storm Events Database, Yoakum County
- FEMA disaster declarations, Yoakum County
- NWS Lubbock, TX