Home Insurance in Valley Mills, Texas
Homes in Valley Mills carry a median value of $176,200 - 12% lower than the Bosque County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Valley Mills was built around 1958. About 55% of homes were built before 1960, about 32 points above Bosque County's 23%.
In Valley Mills, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Valley Mills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Valley Mills has an owner-occupancy rate of 69% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
62% of homes in Valley Mills are primarily heated with natural gas.
FEMA rates Bosque County's overall risk as Very Low, led by wildfire (Relatively Low). Bosque County had 71 active NFIP flood policies as of September 2026. See the full Bosque County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $176,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Bosque County | 71 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)