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Home Insurance in Fabens, TX
Half of the homes in Fabens were built in 1987 or earlier. Here is how the local housing stock shapes coverage and price.
The Fabens housing stock in numbers
About 60% of homes in Fabens are detached single-family houses; owners occupy 74% of the occupied units. With mobile and manufactured homes at roughly 25% of housing, it is worth knowing that many carriers write them on dedicated policies with different wind and hail terms.
Older, newer and in between: Fabens homes
Half of the housing in Fabens dates from 1987 or earlier, per Census estimates. About 38% of homes went up before 1980, while 11% were built in 2000 or later. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
$4,388/yr
About $366/mo · ~$300k-$400k dwelling class
$2,716/yr
About $226/mo after modeled shopping discount
About 38.1% below local market estimate
Setting the dwelling limit in Fabens
The typical owner-occupied home in Fabens is valued at about $95,500. El Paso County overall comes in higher, at $180,400. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Coverage A through F for a Fabens home
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Your belongings. A room-by-room photo inventory makes claims faster.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Fabens
The National Risk Index from FEMA scores El Paso County as relatively high for combined natural-hazard risk. Hazard by hazard, the strongest scores are for hail (very high), winter weather (very high) and lightning (very high). Hail turned up 37 times in El Paso County in NOAA’s database between 2016 and 2025. Stones of one inch or more showed up in 26 of the reports. The largest reported hail was 2 inches on May 21, 2018.
There is no TWIA option in El Paso County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Where to look up your Fabens home
Before you request quotes, pull your record from the El Paso appraisal district at www.epcad.org; the Texas Comptroller’s El Paso County directory lists its contact details. You can also visit the office at 5801 Trowbridge Dr. El Paso, TX 79925-3345.
Fabens belongs to El Paso County. El Paso County is a central county of the El Paso metropolitan area. Fabens lies southeast of El Paso, around 29 miles away in a straight line.
Fabens housing and coverage questions
Are most homes in Fabens old or new?
Half the homes were built by 1987, and roughly 38% are pre-1980, according to the Census Bureau. At this age the roof is the main question, followed by the water heater and supply lines.
How does flood coverage work for a Fabens home?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Only about 1 in 91 El Paso County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
When is the best time to compare home insurance in Fabens?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
How do I insure a manufactured home in Fabens?
With a policy written for manufactured homes, which make up about 25% of local housing. Age, anchoring and whether the home sits on land you own all affect eligibility and price.
Request a Fabens homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Fabens 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.
- Texas Comptroller regions
- Benchmarks: El Paso County value, El Paso County build year
- Census ACS 2020–2024, Fabens CDP: median year built, home value, year built, population, structure type, tenure
- TWIA coverage area
- OpenFEMA NFIP data, El Paso County
- Census CBSA delineation
- Census Gazetteer coordinates
- NOAA Storm Events Database, El Paso County
- Texas property tax directory, El Paso County
- FEMA NRI county ratings, El Paso County