Home Insurance in Wixon Valley, Texas
The median home value in Wixon Valley is $275,000, 7% lower than the Brazos County median.
The typical home in Wixon Valley was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 4 points above Brazos County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wixon Valley is 75% single-family homes and 25% mobile or manufactured homes.
In Wixon Valley, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wixon Valley has an owner-occupancy rate of 99% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Wixon Valley - 84% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Wixon Valley? FEMA's National Risk Index points to tornado (Relatively High) in Brazos County and Brazos County had 1,344 active NFIP flood policies as of September 2026. See the full Brazos 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 | $275,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazos County | 1,344 |
| 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)