Home / Texas Home Insurance Locations / Pampa
Home Insurance in Pampa, TX
Shopping for coverage in Pampa? Work through these steps in order and you will compare quotes on equal terms.
How to shop for home insurance in Pampa
- Start with the appraisal record. The Gray County appraisal district (www.graycad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 815 N. Sumner St. Pampa, TX 79065-5232.
- Size Coverage A correctly. The median owner-estimated home value in Pampa is $100,700. That is close to the Gray County median of $102,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
- Choose a wind and hail deductible. NOAA’s Storm Events Database logs 122 hail reports in Gray County from 2016 through 2025. Of these, 105 reached at least one inch in diameter. The biggest stones, 4.5 inches across, fell on June 13, 2023. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Check the wind arrangement. Since Gray 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.
- Do not skip the flood question. The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in November 2010. In Gray County, roughly 1 home in 3,189 has federal flood coverage (3 residential policies in force). Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period. The FEMA Flood Map Service Center shows the flood zone for any address.
- Line up quotes side by side. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Pampa home.
$3,992/yr
About $333/mo · ~$300k-$400k dwelling class
$2,387/yr
About $199/mo after modeled shopping discount
About 40.2% below local market estimate
Numbers to keep handy
FEMA’s county-level National Risk Index puts Gray County in the relatively low band overall. Among individual perils, the top ratings go to winter weather (relatively high), drought (relatively high) and hail (relatively moderate).
About Pampa
Gray County is home to Pampa. Gray County is counted in the Pampa micro area, a smaller regional hub. The nearest bigger city is Amarillo, about 54 miles from Pampa as the crow flies.
Detached houses represent about 86% of the housing in Pampa, where 74% of households own their home. Roughly 19% of homes were vacant at survey time, many of them seasonal; if yours sits empty for months, check the policy’s vacancy terms. Census estimates put the median construction year for homes in Pampa at 1961. Pre-1980 houses are about 77% of the stock, and post-2000 houses about 9%.
Severe weather warnings for Pampa come from the NWS Amarillo, TX office. The associated NEXRAD radar is KAMA.
Pampa quote questions
How often should I shop coverage in Pampa?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Is home insurance required in Pampa?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Are frozen pipes covered in Pampa?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Gray County as relatively high. Slow leaks, mold and wear are commonly excluded.
Do I need a local agent for a Pampa home?
No. Pampa is about 54 miles northeast 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.
Request a Pampa homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Pampa page
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, Gray County
- Census metro delineation
- Census Gazetteer files
- FEMA National Risk Index, Gray County
- Comparison figures: Gray County value, Gray County build year
- NWS Amarillo, TX
- Comptroller 2024 regions
- NFIP Community Status Book
- OpenFEMA NFIP data, Gray County
- Comptroller county directory, Gray County
- Storm Events Database (NOAA), Gray County
- American Community Survey 2020–2024, Pampa city: home value, structure type, median year built, year built, tenure, population
- TWIA eligibility