Home / Texas Home Insurance Locations / Stanton
Home Insurance in Stanton, TX
Side-by-side numbers for Stanton, Martin County and the state, covering housing, hazards and flood insurance.
$4,072/yr
About $339/mo · ~$300k-$400k dwelling class
$2,459/yr
About $205/mo after modeled shopping discount
About 39.6% below local market estimate
Stanton, Martin County and Texas side by side
| Measure | Stanton | Martin County | Texas |
|---|---|---|---|
| Median home value | – | – | $283,800 |
| Median year built | 1967 | 1974 | 1992 |
| Owner-occupied homes | 78% | 78% | 63% |
| Single-family detached | 61% | 70% | 64% |
| Built before 1980 | 70% | 60% | 33% |
| Built 2000 or later | 16% | 29% | 39% |
| Manufactured homes | 24% | 24% | 6% |
Stanton’s homes skew older than the county as a whole: median year built 1967, compared with 1974 across Martin County.
Weather risk in Martin County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 29 hail reports |
| Tornadoes | Very Low | 0 tornadoes |
| Strong wind | Relatively Low | 21 thunderstorm wind reports |
| Inland flooding | Very Low | 7 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively High | – |
| Lightning | Very Low | – |
FEMA’s county-level National Risk Index puts Martin County in the very low band overall. The highest-rated individual hazards are drought (relatively high) and hail (relatively moderate).
Natural hazards have put Martin County in 4 federal major disaster declarations since 2000. The latest declarations were Severe Winter Storms (2021), Wildfires (2011) and Extreme Wildfire Threat (2006).
Coverage takeaways for Stanton
- Since Martin 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.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from June 1988. In Martin County, roughly 1 home in 244 has federal flood coverage (7 residential policies in force). Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Half of the housing in Stanton dates from 1967 or earlier, per Census estimates. 16% of local homes are from 2000 or later, compared with 70% built before 1980. Many of these houses predate modern building codes, so documenting upgrades such as a newer panel or repiped plumbing can widen your carrier choices.
Where to verify Stanton details
Contact details for the Martin County appraisal district are listed in the Texas Comptroller’s Martin County directory. Its office is at 308 N. St. Peter Stanton, TX 79782-1349. Stanton is covered by the NWS Midland/Odessa forecast office, which issues local watches and warnings. The associated NEXRAD radar is KMAF.
Martin County is home to Stanton. The federal delineation treats Martin County as part of the wider Midland metro, on its outer ring. The nearest bigger city is Midland, about 20 miles from Stanton as the crow flies.
Questions Stanton homeowners ask
Which weather risks matter for insuring a home in Stanton?
Martin County is rated very low overall in FEMA’s National Risk Index. Its standout hazards are drought (relatively high) and hail (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Can I get competitive quotes in Stanton from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Stanton or Midland, about 20 miles away, an independent agency can shop multiple carriers remotely.
Has Stanton been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 4 natural-hazard major disasters that include Martin County. The most recent was Severe Winter Storms, declared in February 2021. FEMA assistance is capped and is not a substitute for insurance.
Do I have to carry homeowners insurance in Stanton?
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.
Request a Stanton homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Stanton numbers come from
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.
- TWIA eligibility
- Census CBSA delineation
- Gazetteer (Census)
- OpenFEMA NFIP data, Martin County
- Comptroller county directory, Martin County
- Comparison figures: Martin County value, Martin County build year, Texas value
- NFIP Community Status Book
- Census ACS 2020–2024, Stanton city: population, tenure, structure type, year built, home value, median year built
- NOAA NCEI storm reports, Martin County
- NWS Midland/Odessa
- Disaster declarations (FEMA), Martin County
- National Risk Index (FEMA), Martin County
- Comptroller 2024 regions