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Home Insurance in Dumas, TX
See where Dumas stands against county and statewide figures before you compare home insurance quotes.
$3,832/yr
About $319/mo · ~$300k-$400k dwelling class
$2,315/yr
About $193/mo after modeled shopping discount
About 39.6% below local market estimate
Dumas, Moore County and Texas side by side
| Measure | Dumas | Moore County | Texas |
|---|---|---|---|
| Median home value | $156,300 | $152,600 | $283,800 |
| Median year built | 1972 | 1975 | 1992 |
| Owner-occupied homes | 62% | 62% | 63% |
| Single-family detached | 72% | 65% | 64% |
| Built before 1980 | 68% | 60% | 33% |
| Built 2000 or later | 13% | 21% | 39% |
| Manufactured homes | 3% | 12% | 6% |
Home ages in Dumas are close to the Moore County pattern (median year built 1972 versus 1975). Manufactured homes are less common in Dumas (3% of units) than across Moore County (12%).
The typical owner-occupied home in Dumas is valued at about $156,300. The Moore County median is similar, at $152,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Weather risk in Moore County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 83 hail reports |
| Tornadoes | Relatively Moderate | 5 tornadoes |
| Strong wind | Relatively Moderate | 58 thunderstorm wind reports |
| Inland flooding | Very Low | 1 flash floods |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively High | – |
| Drought | Relatively High | – |
| Lightning | Relatively Low | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Moore County as relatively low. Hazard by hazard, the strongest scores are for winter weather (relatively high), drought (relatively high) and hail (relatively moderate).
Since 2000, Moore County has been included in 5 federal major disaster declarations for natural hazards. Among the most recent are Severe Winter Storms (2021), Wildfires (2011) and Severe Storms and Tornadoes (2007).
Coverage takeaways for Dumas
- Since Moore County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- Because Dumas is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Across Moore County, 10 residential NFIP policies were in force, roughly 1 for every 672 homes. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Half of the housing in Dumas dates from 1972 or earlier, per Census estimates. 13% of local homes are from 2000 or later, compared with 68% built before 1980. Some carriers limit how old a home or its systems can be, so receipts for a recent roof, rewiring or plumbing work are worth keeping handy.
Where to verify Dumas details
The Moore County appraisal district (www.moorecad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 419 Success Blvd. Dumas, TX 79029. The NWS Amarillo, TX office handles forecasts and storm warnings for Dumas. The associated NEXRAD radar is KAMA.
Moore County is home to Dumas. Federal definitions group Moore County into the Dumas micropolitan area. Dumas lies north of Amarillo, around 46 miles away in a straight line.
Dumas coverage questions
What does FEMA’s risk index say about Moore County?
FEMA’s National Risk Index rates overall risk in Moore County as relatively low. The top-rated hazards are winter weather (relatively high), drought (relatively high) and hail (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Does TWIA cover homes in Dumas?
No, Moore County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
How often has Moore County had federal disaster declarations?
Moore County has been included in 5 natural-hazard major disaster declarations since 2000. The most recent was Severe Winter Storms, declared in February 2021. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Do I need a local agent for a Dumas home?
No. Dumas is about 46 miles north 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.
Ready to price your Dumas home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Dumas page
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- American Community Survey 2020–2024, Dumas city: median year built, year built, home value, tenure, structure type, population
- Comptroller economic regions
- FEMA disaster declarations, Moore County
- NFIP data (OpenFEMA), Moore County
- Census CBSA delineation
- Gazetteer (Census)
- NWS Amarillo, TX
- Comptroller CAD listing, Moore County
- Storm Events Database (NOAA), Moore County
- FEMA National Risk Index, Moore County
- Benchmarks: Moore County value, Moore County build year, Texas value
- TWIA coverage area