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Home Insurance in Perryton, TX
What Perryton houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
What Perryton housing looks like
About 74% of homes in Perryton are detached single-family houses; owners occupy 72% of the occupied units. With mobile and manufactured homes at roughly 16% of housing, it is worth knowing that many carriers write them on dedicated policies with different wind and hail terms.
How age and construction affect a Perryton quote
According to the Census Bureau, the typical home in Perryton went up around 1974. Pre-1980 houses are about 61% of the stock, and post-2000 houses about 15%. Many of these houses predate modern building codes, so documenting upgrades such as a newer panel or repiped plumbing can widen your carrier choices.
$4,208/yr
About $351/mo · ~$300k-$400k dwelling class
$2,432/yr
About $203/mo after modeled shopping discount
About 42.2% below local market estimate
Market value versus rebuild cost in Perryton
The median owner-estimated home value in Perryton is $126,500. It tracks the county median of $134,400 fairly closely. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Coverage A through F for a Perryton home
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default. Larger lots and outbuildings are common here, so check the limit.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Guest medical coverage that can head off a liability claim.
Storm and flood context for Perryton
The National Risk Index from FEMA scores Ochiltree County as very low for combined natural-hazard risk. Its leading hazards, by rating, are drought (relatively high), winter weather (relatively moderate) and ice storms (relatively moderate). Hail turned up 97 times in Ochiltree County in NOAA’s database between 2016 and 2025. In 87 cases the hail was an inch across or bigger. The top report was 4-inch hail on June 7, 2022.
Since Ochiltree 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. Search the FEMA Flood Map Service Center by street address to find your zone.
Local resources for Perryton homeowners
The Ochiltree County appraisal district (www.ochiltreecad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 825 S. Main St., Ste. 100 Perryton, TX 79070-3556.
For county-level data, Perryton falls under Ochiltree County. Ochiltree County is outside any federally defined metro or micro area. Perryton lies northeast of Amarillo, around 101 miles away in a straight line.
Common questions from Perryton homeowners
Does the age of Perryton housing affect insurance?
Half the homes were built by 1974, and roughly 61% are pre-1980, according to the Census Bureau. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
How does flood coverage work for a Perryton home?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
What home details should I have ready for a Perryton quote?
Search your address on the Ochiltree appraisal district site, www.ochiltreecad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
When is the best time to compare home insurance in Perryton?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Request a Perryton homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Census CBSA delineation
- Census Gazetteer coordinates
- Comptroller economic regions
- NOAA Storm Events Database, Ochiltree County
- Texas Windstorm Insurance Association
- Comparison figures: Ochiltree County value, Ochiltree County build year
- Comptroller county directory, Ochiltree County
- Census Bureau ACS five-year data, Perryton city: year built, median year built, home value, tenure, structure type, population
- FEMA NRI county ratings, Ochiltree County