Home Insurance in Maud, Texas
With a median home value of $96,800, Maud is 44% lower than the Bowie County median.
The typical home in Maud was built around 1967. About 35% of homes were built before 1960, about 19 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 Maud, the housing stock is 70% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Maud, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Maud are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Maud, 63% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Maud? 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 | $96,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 62% |
| 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)