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Home Insurance in Seagraves, TX
Side-by-side numbers for Seagraves, Gaines County and the state, covering housing, hazards and flood insurance.
$4,160/yr
About $347/mo · ~$300k-$400k dwelling class
$2,517/yr
About $210/mo after modeled shopping discount
About 39.5% below local market estimate
Seagraves compared with Gaines County and Texas
| Measure | Seagraves | Gaines County | Texas |
|---|---|---|---|
| Median home value | – | $200,700 | $283,800 |
| Median year built | – | 1986 | 1992 |
| Owner-occupied homes | 60% | 75% | 63% |
| Single-family detached | 56% | 66% | 64% |
| Built before 1980 | 57% | 36% | 33% |
| Built 2000 or later | 6% | 28% | 39% |
| Manufactured homes | 20% | 25% | 6% |
60% of occupied homes are owner-occupied in Seagraves, below the Gaines County share of 75%. Manufactured homes are less common in Seagraves (20% of units) than across Gaines County (25%).
For a small place like Seagraves, the survey margin on home values is wide, so the county median of $200,700 is a steadier reference. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Gaines County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 45 hail reports |
| Tornadoes | Relatively Low | 3 tornadoes |
| Strong wind | Relatively Moderate | 44 thunderstorm wind reports |
| Inland flooding | Very Low | 18 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively High | – |
| Lightning | Relatively Low | – |
Gaines County lands in the relatively low category of FEMA’s National Risk Index. Its leading hazards, by rating, are hail (relatively high), drought (relatively high) and wildfire (relatively moderate).
Counting from 2000, 5 major disaster declarations for natural hazards have included Gaines County. Among the most recent are Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Extreme Wildfire Threat (2006).
What the comparison means for your policy
- Gaines County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- NFIP flood policies are available in Seagraves, a participating community. Its current effective flood map dates to February 1986. In Gaines County, roughly 1 home in 926 has federal flood coverage (7 residential policies in force). Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- About 57% of homes went up before 1980, while 6% were built in 2000 or later. 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.
Local offices and records
Before you request quotes, pull your record from the Gaines appraisal district at www.gainescad.org; the Texas Comptroller’s Gaines County directory lists its contact details. The district office address is 302 S.E. Avenue B Seminole, TX 79360-4438. Seagraves is covered by the NWS Midland/Odessa forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KLBB.
Seagraves is in Gaines County. No metro or micro area includes Gaines County, so it is rural by the federal definition. The nearest bigger city is Lubbock, about 58 miles from Seagraves as the crow flies.
Seagraves coverage questions
What does FEMA’s risk index say about Gaines County?
Gaines County is rated relatively low overall in FEMA’s National Risk Index. The highest individual ratings are for hail (relatively high), drought (relatively high) and wildfire (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Do I need a local agent for a Seagraves home?
No. Seagraves is about 58 miles southwest of Lubbock, 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.
Do I have to carry homeowners insurance in Seagraves?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
How often has Gaines County had federal disaster declarations?
Gaines County has been included in 5 natural-hazard major disaster declarations since 2000. The most recent was Severe Winter Storms, declared in February 2021. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Ready to price your Seagraves home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Seagraves numbers come from
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Community Status Book (NFIP)
- NOAA NCEI storm reports, Gaines County
- TWIA eligibility
- OpenFEMA NFIP data, Gaines County
- NWS Midland/Odessa
- National Risk Index (FEMA), Gaines County
- FEMA disaster declarations, Gaines County
- Comptroller CAD listing, Gaines County
- Benchmarks: Gaines County value, Gaines County build year, Texas value
- Census metro delineation
- Census Gazetteer coordinates
- Texas Comptroller regions
- American Community Survey 2020–2024, Seagraves city: tenure, structure type, year built, home value, population, median year built