Home Insurance in Hooks, Texas
With a median home value of $69,800, Hooks is 60% lower than the Bowie County median.
The typical home in Hooks was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 18 points above Bowie County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hooks is 67% single-family homes, 6% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Hooks, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hooks has an owner-occupancy rate of 58% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Hooks, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Hooks? FEMA's National Risk Index points to hail (Relatively High) in Bowie County and 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.
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 | $69,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)