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Home Insurance in Ozona, TX
How Ozona homes and hazards compare with Crockett County and Texas as a whole, and what the differences mean for your policy.
$3,310/yr
About $276/mo · ~$300k-$400k dwelling class
$2,056/yr
About $171/mo after modeled shopping discount
About 37.9% below local market estimate
Ozona compared with Crockett County and Texas
| Measure | Ozona | Crockett County | Texas |
|---|---|---|---|
| Median home value | – | – | $283,800 |
| Median year built | – | – | 1992 |
| Owner-occupied homes | 77% | 74% | 63% |
| Single-family detached | 82% | 82% | 64% |
| Built before 1980 | 54% | 55% | 33% |
| Built 2000 or later | 23% | 23% | 39% |
| Manufactured homes | 11% | 13% | 6% |
Crockett County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very Low | 38 hail reports |
| Tornadoes | Very Low | 3 tornadoes |
| Strong wind | Very Low | 13 thunderstorm wind reports |
| Inland flooding | Very Low | 3 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively Low | – |
| Lightning | Very Low | – |
Crockett County lands in the very low category of FEMA’s National Risk Index.
FEMA has issued 6 natural-hazard major disaster declarations covering Crockett County since 2000. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Severe Winter Storms (2021) and Wildfires (2011).
What the comparison means for your policy
- Wind coverage in Crockett County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Crockett County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. Across Crockett County, 19 residential NFIP policies were in force, roughly 1 for every 96 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Homes built before 1980 make up about 54% of the total; those built since 2000 account for 23%. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Local offices and records
Before you request quotes, pull your record from the Crockett appraisal district at www.co.crockett.tx.us; the Texas Comptroller’s Crockett County directory lists its contact details. You can also visit the office at 909 Avenue D Ozona, TX 76943-9998. Watches and warnings for Ozona are issued by NWS San Angelo, TX. The associated NEXRAD radar is KSJT.
For county-level data, Ozona falls under Crockett County. No metro or micro area includes Crockett County, so it is rural by the federal definition. The nearest bigger city is San Angelo, about 68 miles from Ozona as the crow flies.
FAQ: Ozona home insurance
What does FEMA’s risk index say about Crockett County?
Crockett County is rated very low overall in FEMA’s National Risk Index. Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Is Ozona in the TWIA coverage area?
No. Crockett 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.
Do I need a local agent for a Ozona home?
No. Ozona is about 68 miles southwest of San Angelo, 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.
Has Ozona been part of a FEMA disaster declaration?
Crockett County has been included in 6 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in September 2026. FEMA assistance is capped and is not a substitute for insurance.
Compare Ozona home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Ozona page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NWS San Angelo, TX
- Census CBSA delineation
- Gazetteer (Census)
- FEMA National Risk Index, Crockett County
- Comptroller county directory, Crockett County
- American Community Survey 2020–2024, Ozona CDP: population, year built, structure type, tenure, median year built, home value
- FEMA declared disasters, Crockett County
- OpenFEMA NFIP data, Crockett County
- Texas Windstorm Insurance Association
- NOAA NCEI storm reports, Crockett County
- Comptroller 2024 regions
- Comparison figures: Crockett County value, Crockett County build year, Texas value