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Home Insurance in Tulia, TX
From build years to owner-occupancy, the makeup of Tulia’s housing explains much of what insurers ask. This guide starts with the homes themselves.
The Tulia housing stock in numbers
The owner-occupancy rate is around 56%, and roughly 84% of all units are stand-alone single-family homes.
Older, newer and in between: Tulia homes
Line up every home in Tulia by age and the one in the middle was built in 1959. 7% of local homes are from 2000 or later, compared with 85% built before 1980. 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.
$3,996/yr
About $333/mo · ~$300k-$400k dwelling class
$2,306/yr
About $192/mo after modeled shopping discount
About 42.3% below local market estimate
Setting the dwelling limit in Tulia
The median owner-estimated home value in Tulia is $81,100. The Swisher County median is similar, at $86,300. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
The six parts of a Tulia homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Anything not attached to the house, such as fences, carports and barns. Rural and large-lot properties often need more than the default.
Your belongings. A room-by-room photo inventory makes claims faster.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Guest medical coverage that can head off a liability claim.
Hazards Tulia homes are exposed to
In FEMA’s National Risk Index, Swisher County carries an overall rating of very low. Its leading hazards, by rating, are hail (relatively high), drought (relatively high) and winter weather (relatively moderate). Swisher County had 25 hail reports in NOAA’s storm records for 2016 through 2025. 24 of those involved stones an inch or larger, the size that commonly damages shingles. The biggest stones, 7.02 inches across, fell on June 2, 2024.
Since Swisher 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. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Records to check before you quote
Square footage and build year on file with the Swisher appraisal district (www.swisher-cad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 130 N. Armstrong Ave. Tulia, TX 79088-2232.
Swisher County is home to Tulia. No metro or micro area includes Swisher County, so it is rural by the federal definition. Amarillo is the closest larger city, roughly 46 miles away, with Tulia to its south.
Tulia housing and coverage questions
Are most homes in Tulia old or new?
Half the homes were built by 1959, and roughly 85% are pre-1980, according to the Census Bureau. Older systems mean more underwriting questions, so have dates for the roof, panel and plumbing ready.
When is the best time to compare home insurance in Tulia?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Where can I find my property details before getting a quote in Tulia?
The Swisher appraisal district website (www.swisher-cad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
How much could I save by shopping my Tulia policy?
On this page we model a 42.3% gap between the local market estimate and our estimate for Tulia. It is not a quote, and actual savings can be higher, lower or zero.
Compare Tulia home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Tulia numbers come from
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA coverage area
- Census CBSA delineation
- Gazetteer (Census)
- National Risk Index (FEMA), Swisher County
- Storm Events Database (NOAA), Swisher County
- Benchmarks: Swisher County value, Swisher County build year
- Comptroller county directory, Swisher County
- Texas Comptroller regions
- American Community Survey 2020–2024, Tulia city: population, tenure, year built, median year built, home value, structure type