Home Insurance in Walnut Springs, Texas
With a median home value of $81,700, Walnut Springs is 59% lower than the Bosque County median.
The typical home in Walnut Springs was built around 1986. About 28% of homes were built before 1960, about 4 points above Bosque County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Walnut Springs is 70% single-family homes and 30% mobile or manufactured homes.
About 28% of owner-occupied homes in Walnut Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Walnut Springs has an owner-occupancy rate of 68% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Walnut Springs - 58% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Bosque County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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 | $81,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)