Home Insurance in De Kalb, Texas
Homes in De Kalb carry a median value of $89,200 - 48% lower than the Bowie County median.
The typical home in De Kalb was built around 1971. About 21% of homes were built before 1960, about 5 points above Bowie County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In De Kalb, the housing stock is 81% single-family homes, 2% 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.
About 44% of owner-occupied homes in De Kalb have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
De Kalb has an owner-occupancy rate of 45% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In De Kalb, 52% of homes are primarily heated with electricity.
Bowie County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Bowie County had 257 active NFIP flood policies as of September 2026. See the full Bowie County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $89,200 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Bowie County | 257 |
| 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)