Home / Texas Home Insurance Locations / Wolfforth
Home Insurance in Wolfforth, TX
Side-by-side numbers for Wolfforth, Lubbock County and the state, covering housing, hazards and flood insurance.
$4,281/yr
About $357/mo · ~$300k-$400k dwelling class
$2,449/yr
About $204/mo after modeled shopping discount
About 42.8% below local market estimate
How Wolfforth homes compare
| Measure | Wolfforth | Lubbock County | Texas |
|---|---|---|---|
| Median home value | $260,200 | $214,100 | $283,800 |
| Median year built | 2006 | 1985 | 1992 |
| Owner-occupied homes | 78% | 56% | 63% |
| Single-family detached | 89% | 66% | 64% |
| Built before 1980 | 23% | 44% | 33% |
| Built 2000 or later | 58% | 33% | 39% |
| Manufactured homes | 4% | 5% | 6% |
Wolfforth’s housing is younger than Lubbock County’s overall (2006 versus 1985 median year built). 78% of occupied homes are owner-occupied in Wolfforth, above the Lubbock County share of 56%.
The typical owner-occupied home in Wolfforth is valued at about $260,200. That sits above the county-wide median of $214,100. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Weather risk in Lubbock County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 106 hail reports |
| Tornadoes | Relatively High | 4 tornadoes |
| Strong wind | Very High | 104 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 21 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very High | – |
| Drought | Very High | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Lubbock County in the relatively high band overall. The individual hazards that stand out are hail (very high), winter weather (very high) and strong wind (very high).
Counting from 2000, 6 major disaster declarations for natural hazards have included Lubbock County. The latest declarations were Severe Winter Storms (2021), Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Coverage takeaways for Wolfforth
- There is no TWIA option in Lubbock County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- NFIP flood policies are available in Wolfforth, a participating community. The flood insurance rate map in effect was issued in February 2017. NFIP data counts 765 residential flood policies in Lubbock County, about 1 for every 134 homes. Policyholders in the county have filed 34 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- 2006 is the median year built for housing units in Wolfforth. About 23% of homes went up before 1980, while 58% were built in 2000 or later. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
Local offices and records
Insurers often check the appraisal district record, so confirm that what the Lubbock district shows at www.lubbockcad.org matches your home. You can also visit the office at 2109 Avenue Q Lubbock, TX 79411-1524. Severe weather warnings for Wolfforth come from the NWS Lubbock, TX office. Its assigned radar site for Wolfforth is KLBB.
Wolfforth sits within Lubbock County. Federal statistical definitions place Lubbock County at the core of the Lubbock metro area. By straight-line distance, Wolfforth is about 8 miles southwest of Lubbock.
Questions Wolfforth homeowners ask
What natural hazards affect Wolfforth homes most?
Lubbock County is rated relatively high overall in FEMA’s National Risk Index. The top-rated hazards are hail (very high), winter weather (very high) and strong wind (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Should I insure my Wolfforth home for its market value?
Not necessarily. The Census median home value in Wolfforth is $260,200, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
What does the Wolfforth savings estimate on this page mean?
On this page we model a 42.8% gap between the local market estimate and our estimate for Wolfforth. It is not a quote, and actual savings can be higher, lower or zero.
Can I get competitive quotes in Wolfforth from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Wolfforth or Lubbock, about 8 miles away, an independent agency can shop multiple carriers remotely.
Ready to price your Wolfforth home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Wolfforth page
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.
- NOAA Storm Events Database, Lubbock County
- Disaster declarations (FEMA), Lubbock County
- NWS Lubbock, TX
- Comptroller CAD listing, Lubbock County
- Census metro delineation
- Census Gazetteer files
- Census Bureau ACS five-year data, Wolfforth city: tenure, median year built, population, structure type, home value, year built
- Comptroller 2024 regions
- Comparison figures: Lubbock County value, Lubbock County build year, Texas value
- FEMA Community Status Book
- OpenFEMA NFIP data, Lubbock County
- FEMA National Risk Index, Lubbock County
- Texas Windstorm Insurance Association