Home Insurance in Redwater, Texas
With a median home value of $110,600, Redwater is 36% lower than the Bowie County median.
The typical home in Redwater was built around 1986. About 18% of homes were built before 1960, about 2 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 Redwater, the housing stock is 57% single-family homes, 5% apartments in buildings with 5+ units and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Redwater carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Redwater are owner-occupied.
In Redwater, 74% 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $110,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)