Abilene, TX
Abilene, TX landlord and rental property insurance
What Abilene landlords should know before insuring a rental. A quote is not a binder.
Abilene is home to roughly 130,501 people in Taylor County, and about 44% of its 46,917 occupied homes are rented rather than owner-occupied, above the Texas rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Abilene rental housing by the numbers
| Measure | Abilene | Texas |
|---|---|---|
| Renter-occupied homes | 44% (20,597) | 37% |
| Median owner-occupied home value | $183,700 | $283,800 |
| Median gross rent | $1,157/mo | $1,403/mo |
| Median year structure built | 1975 | 1992 |
| Homes in 2–4 unit buildings | 8% | 5% |
| Single-family homes (detached or attached) | 72% | 67% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Dwelling limits for Abilene landlords
Abilene's median home value, roughly $183,700, gives a rough sense of what rentals here are worth; the state median is $283,800. For insurance, ask for a replacement-cost estimate on your specific building.
If your rental is insured somewhere around Abilene's median, the closest NAIC benchmark is the $150,000–$199,999 band, where the 2023 Texas dwelling-fire average was $1,438. The all-amounts state figure was $1,226.
Fair rental value coverage for Abilene units
Rents in Abilene center on about $1,157 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $13,884 per unit at the median.
Construction era of Abilene rentals
A median build year of 1975 puts much of Abilene's rental stock in the 1960s–70s range. Some homes from that period used aluminum branch wiring or now-obsolete panels, so disclose upgrades clearly.
What Abilene landlords typically own
About 72% of homes in Abilene are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Comparing Abilene to neighboring cities
In Houston, 58% of occupied homes are rented and the median value is $277,800. For comparison, San Antonio comes in at 48% rented and $235,700 median value, with median rent of $1,324. For comparison, Dallas comes in at 58% rented and $320,700 median value, with median rent of $1,472. By renter share, Abilene is number 15 on our list of 30 Texas cities. Buildings with five or more units hold about 17% of Abilene's homes; those generally need commercial apartment coverage rather than dwelling forms.
Abilene weather exposures that affect landlord claims
Texas landlords generally plan around wind and hurricane exposure near the Gulf coast, winter freeze events that burst pipes, and flash and coastal flooding, which needs separate flood coverage. Those exposures apply in Abilene as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Abilene quote checklist
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- The Abilene address and how many units it has
- Year built and roof age
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
- Current insurer and any losses in five years
Request a Abilene landlord quote
Abilene landlord insurance questions
How many renters live in Abilene?
About 44% of occupied homes in Abilene, roughly 20,597 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Abilene landlords have to carry insurance?
Not by statute. In practice, a Abilene rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Abilene?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
Other Texas cities
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.