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Home Insurance in Muleshoe, TX
See where Muleshoe stands against county and statewide figures before you compare home insurance quotes.
$4,074/yr
About $340/mo · ~$300k-$400k dwelling class
$2,330/yr
About $194/mo after modeled shopping discount
About 42.8% below local market estimate
How Muleshoe homes compare
| Measure | Muleshoe | Bailey County | Texas |
|---|---|---|---|
| Median home value | $98,600 | $105,300 | $283,800 |
| Median year built | 1968 | 1969 | 1992 |
| Owner-occupied homes | 80% | 80% | 63% |
| Single-family detached | 80% | 82% | 64% |
| Built before 1980 | 72% | 71% | 33% |
| Built 2000 or later | 11% | 11% | 39% |
| Manufactured homes | 1% | 3% | 6% |
Home ages in Muleshoe are close to the Bailey County pattern (median year built 1968 versus 1969).
Median home value: $98,600, according to the latest five-year Census survey. The Bailey County median is similar, at $105,300. 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.
Bailey County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 24 hail reports |
| Tornadoes | Relatively Low | 7 tornadoes |
| Strong wind | Relatively Moderate | 14 thunderstorm wind reports |
| Inland flooding | Very Low | 3 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively High | – |
| Lightning | Very Low | – |
FEMA’s county-level National Risk Index puts Bailey County in the very low band overall. Its leading hazards, by rating, are hail (relatively high), drought (relatively high) and winter weather (relatively moderate).
Since 2000, Bailey County has been included in 7 federal major disaster declarations for natural hazards. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
What the comparison means for your policy
- TWIA does not write in Bailey County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Because Muleshoe is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in October 1989. Flood coverage is far from universal: 12 residential NFIP policies in Bailey County, or about 1 per 190 homes. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Census estimates put the median construction year for homes in Muleshoe at 1968. Pre-1980 houses are about 72% of the stock, and post-2000 houses about 11%. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
Contacts for Muleshoe homeowners
Insurers often check the appraisal district record, so confirm that what the Bailey district shows at www.bailey-cad.org matches your home. The district office address is 302 Main St. Muleshoe, TX 79347-3852. For local warnings, the responsible National Weather Service office is NWS Lubbock, TX. The associated NEXRAD radar is KFDX.
For county-level data, Muleshoe falls under Bailey County. Bailey County is outside any federally defined metro or micro area. Measured point to point, Muleshoe sits roughly 67 miles northwest of Lubbock.
FAQ: Muleshoe home insurance
Which weather risks matter for insuring a home in Muleshoe?
Overall, FEMA scores Bailey County as very low. The highest individual ratings are for hail (relatively high), drought (relatively high) and winter weather (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Should I insure my Muleshoe home for its market value?
Not necessarily. The Census median home value in Muleshoe is $98,600, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Do I have to carry homeowners insurance in Muleshoe?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Is Muleshoe in the TWIA coverage area?
No. Bailey 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.
Get a Muleshoe home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA Community Status Book
- Census Bureau ACS five-year data, Muleshoe city: tenure, year built, structure type, median year built, population, home value
- Benchmarks: Bailey County value, Bailey County build year, Texas value
- FEMA declared disasters, Bailey County
- TWIA coverage area
- NWS Lubbock, TX
- OpenFEMA NFIP data, Bailey County
- NOAA Storm Events Database, Bailey County
- Comptroller 2024 regions
- Comptroller county directory, Bailey County
- FEMA NRI county ratings, Bailey County
- OMB metro and micro areas
- Census Gazetteer files