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Home Insurance in Monahans, TX
How Monahans homes and hazards compare with Winkler County and Texas as a whole, and what the differences mean for your policy.
$4,167/yr
About $347/mo · ~$300k-$400k dwelling class
$2,567/yr
About $214/mo after modeled shopping discount
About 38.4% below local market estimate
How Monahans homes compare
| Measure | Monahans | Winkler County | Texas |
|---|---|---|---|
| Median home value | $160,800 | $148,200 | $283,800 |
| Median year built | 1973 | 1968 | 1992 |
| Owner-occupied homes | 73% | 86% | 63% |
| Single-family detached | 71% | 82% | 64% |
| Built before 1980 | 67% | 74% | 33% |
| Built 2000 or later | 16% | 13% | 39% |
| Manufactured homes | 15% | 10% | 6% |
Monahans’s housing is younger than Winkler County’s overall (1973 versus 1968 median year built). Owner-occupancy is lower than the county figure (73% versus 86%).
Median home value: $160,800, according to the latest five-year Census survey. That is close to the Winkler County median of $148,200. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Hazard ratings for Winkler County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 22 hail reports |
| Tornadoes | Very Low | 0 tornadoes |
| Strong wind | Relatively Low | 23 thunderstorm wind reports |
| Inland flooding | Very Low | 2 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Very Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Very Low | – |
In FEMA’s National Risk Index, Winkler County carries an overall rating of very low. The highest-rated individual hazards are drought (relatively moderate).
Since 2000, Winkler County has been included in 4 federal major disaster declarations for natural hazards. Recent ones: Severe Winter Storms (2021), Wildfires (2011) and Extreme Wildfire Threat (2006).
Coverage takeaways for Monahans
- Since Winkler 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.
- Monahans participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to February 1988. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Census estimates put the median construction year for homes in Monahans at 1973. 16% of local homes are from 2000 or later, compared with 67% 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 Monahans details
Insurers often check the appraisal district record, so confirm that what the Winkler district shows at www.winklercad.org matches your home. You can also visit the office at 107 E. Winkler Kermit, TX 79745-4201. The NWS Midland/Odessa office handles forecasts and storm warnings for Monahans. Its assigned radar site for Monahans is KMAF.
Monahans crosses into Ward County, but Winkler County contains most of it, so that is the county used for the data below. No metro or micro area includes Winkler County, so it is rural by the federal definition. Odessa is the closest larger city, roughly 46 miles away, with Monahans to its west.
Questions Monahans homeowners ask
How risky is Winkler County for natural hazards?
Overall, FEMA scores Winkler County as very low. Its standout hazards are drought (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is the median home value in Monahans the right dwelling limit?
Usually not. The median owner-estimated value in Monahans is $160,800, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Is homeowners coverage mandatory for Monahans homeowners?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Has Monahans been part of a FEMA disaster declaration?
Winkler County has been included in 4 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.
Get a Monahans home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
About the data
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.
- FEMA disaster declarations, Winkler County
- NFIP Community Status Book
- Texas Comptroller regions
- Census metro delineation
- Census Gazetteer coordinates
- NWS Midland/Odessa
- TWIA coverage area
- Comptroller county directory, Winkler County
- Census ACS 2020–2024, Monahans city: structure type, median year built, population, year built, tenure, home value
- NOAA Storm Events Database, Winkler County
- FEMA NRI county ratings, Winkler County
- County and state comparisons: Winkler County value, Winkler County build year, Texas value