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About 145,863 people live in Taylor County, 916 square miles in central Texas, in roughly 62,198 homes. The county seat is Abilene, and Potosi, Merkel and Tuscola round out the largest towns. The county's median home was built in 1978.
The three factors where Taylor County ranks highest compared with other Texas counties.
Weather
Taylor is on the colder side of Texas for pipes. From 2015–2024 it averaged 5 nights a year at 20°F or colder, the range where pipes in exterior walls, crawl spaces and unheated garages freeze, and 42 nights at or below 32°F. That ranks 54th of 232 counties.
On February 15, 2021 the low fell to about -1°F, and in the stretch ending February 2021 the county went 9 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
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 14 and the last spring freeze around Mar 16.
Rainfall is about average for Texas. The county gets about 27.6 inches of rain and melted snow a year, with 6.3 days of an inch or more (138th of 232). Those downpours cluster in May, September and October, when sump pumps and gutters are tested hardest. The wettest day on record brought 4.26 inches on September 3, 2024. Multi-day storms matter most for basements; the wettest three days on record here totaled 6.12 inches (through September 4, 2024).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 38 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Freezing nights per month, 2015–2024 average
Days with 1 inch or more of rain per month, 2015–2024 average
Housing
What Taylor County's homes are made of
Texas's 232 counties range widely in housing age; Taylor ranks 85th, with 53% of its homes built before 1980.
33% were built before 1960. Homes from that era often still have galvanized steel supply pipe, which rusts from the inside until it pinholes, and cast iron drains that crack with age. Slow leaks behind walls are a common start to water damage in these houses.
The 1980s and 1990s account for 25% of the county's homes. If yours is from those decades, look under the sinks and at the water heater for gray plastic pipe stamped PB, which is polybutylene and leak-prone.
Renters occupy 40% of homes. If you rent, the building is usually the landlord's to repair, but your belongings are only covered by renters insurance.
Homes by year built
Before 19407%
1940–195925%
1960–197920%
1980–199925%
2000 or later23%
Owner-occupied
61%
Texas median 74%
Single-family
74%
of all homes
Median home value
$199k
Texas median $172k
Beyond water
Mold and fire damage in Taylor County
Mold
About 110 nights a year in Taylor County stay at 65°F or warmer, a sign of muggy summer air (180th of 232 counties). May is the wettest month. Keep indoor humidity under 60%, as the EPA advises, and dry any leak within 24 to 48 hours; in a humid month a wet basement left alone won't dry by itself.
Heating fuel matters for fire risk. In Taylor County it's 41% utility gas, 56% electric, 3% propane and under 1% wood. Heating equipment, cooking and electrical failures cause most home fires nationally. Even a small kitchen fire can leave soot through the whole house, because smoke follows air currents into closets, ducts and attic space.
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
Taylor County water damage FAQ
Which towns in Taylor County does this cover?
Calls are routed to restoration companies that serve all of Taylor County, including Abilene, Potosi, Merkel, Tuscola, Tye and Buffalo Gap, 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 Taylor County?
About 5 nights a year get to 20°F or below, concentrated in January. The longest cold spell in the 2015–2024 record was 9 days below freezing.
What causes the most water damage in Taylor 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 Taylor County?
Pipe bursts and appliance failures are typically covered; slow leaks, seepage and floodwater typically aren't. Ask your agent about water backup coverage, given 6.3 heavy-rain days a year here.
How fast does mold start in a Taylor County home?
The EPA advises drying wet materials within 24 to 48 hours. In May, the county's wettest month, and on the 110 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 Taylor County: freezing from January, heavy rain in May, September and October.
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