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Howard County covers 901 square miles of central Texas, with about 32,290 residents and 14,048 homes. Big Spring is the county seat; Coahoma, Sand Springs and Forsan are the next largest communities. The county's median home was built in 1966.
The three factors where Howard County ranks highest compared with other Texas counties.
Weather
Howard is on the colder side of Texas for pipes. It averaged 45 freezing nights a year over 2015–2024, 5 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 232 Texas counties that's 54th.
Cold snaps are the real risk. The worst in the record lasted 9 days below freezing (ending February 2021), and the low bottomed out near 2°F on February 15, 2021.
The freeze season here runs January, with January the coldest. If you travel then, leave the thermostat at 55°F or above and open sink cabinets on outside walls.
On average the first fall freeze arrives around Nov 15 and the last spring freeze around Mar 1.
Howard gets fewer downpours than most Texas counties, but they still fill basements. About 4 days a year bring an inch or more (187th of 232), most often in June, out of 18.1 inches of total precipitation. On September 3, 2024, 3.06 inches fell in a single day. Multi-day storms matter most for basements; the wettest three days on record here totaled 4.87 inches (through June 29, 2021).
The temperature crosses 32°F in both directions on roughly 41 days a year. Each cycle melts and refreezes water at roof edges and in foundation cracks, which is how ice dams and basement seepage get started.
Freezing nights per month, 2015–2024 average
Days with 1 inch or more of rain per month, 2015–2024 average
Housing
What Howard County's homes are made of
Texas's 232 counties range widely in housing age; Howard ranks 20th, with 73% of its homes built before 1980.
In Howard County 38% of homes are older than 1960. If yours is one of them and the plumbing has never been replaced, expect galvanized steel supply pipe and cast iron drain lines, the two materials most likely to fail quietly.
Manufactured and mobile homes make up 8% of the housing here. Water lines in the underbelly depend on intact skirting and working heat tape, and they're usually the first to freeze in a cold snap.
Homes by year built
Before 19406%
1940–195932%
1960–197935%
1980–199915%
2000 or later12%
Owner-occupied
70%
Texas median 74%
Single-family
78%
of all homes
Median home value
$156k
Texas median $172k
Beyond water
Mold and fire damage in Howard County
Mold
Howard County averages 111 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in May. Mold grows when indoor humidity stays above about 60%, the EPA's ceiling. A basement dehumidifier set to 50% and drying anything wet within 24 to 48 hours prevents most problems.
Main heating fuel in Howard County's occupied homes: 47% utility gas, 49% electric, 4% propane and under 1% wood. Most homes here heat with gas or electricity, so cooking and electrical faults are the likelier fire sources. Even a contained kitchen fire can send soot through the ductwork to every room.
Rank 1 is the highest value. Bars run from the lowest to the highest Texas county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Howard County water damage FAQ
Which towns in Howard County does this cover?
Calls are routed to restoration companies that serve all of Howard County, including Big Spring, Coahoma, Sand Springs and Forsan, plus the townships and rural areas around them. If the first company can't reach you quickly, ask to be connected with another.
How often do pipes freeze in Howard County?
From 2015–2024 the county averaged 5 nights a year at 20°F or colder, mostly January. Pipes in exterior walls, crawl spaces, garages and mobile home underbellies freeze first.
What causes the most water damage in Howard County?
Based on the county's housing and weather data, the biggest local factors are aging plumbing, frozen pipes and freeze-thaw and ice dams. Appliance supply lines and water heaters cause leaks everywhere.
Will my insurance cover water damage in Howard County?
A burst pipe or a failed water heater is usually covered. Rain-driven basement water usually isn't, unless you added water backup coverage, and floodwater needs a flood policy. May, June and September are when Howard County gets the most heavy rain.
How fast does mold start in a Howard County home?
The EPA advises drying wet materials within 24 to 48 hours. In May, the county's wettest month, and on the 111 muggy summer nights a year when lows stay at 65°F or above, basements dry slowly on their own, so start fans and dehumidifiers the same day.
Water won't wait. Neither should you.
Peak risk months in Howard County: freezing from January, heavy rain in May, June and September.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology