Home Insurance in Leary, Texas
The median home value in Leary is $153,800, 11% lower than the Bowie County median.
The typical home in Leary was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 8 points below 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 Leary is 47% single-family homes and 53% mobile or manufactured homes.
About 24% of owner-occupied homes in Leary have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Leary are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Leary, 63% of homes are primarily heated with electricity.
FEMA rates Bowie County's overall risk as Relatively Low, led by hail (Relatively High). 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 | $153,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)