Home Insurance in Bloomburg, Texas
With a median home value of $63,300, Bloomburg is 57% lower than the Cass County median.
The typical home in Bloomburg was built around 1991. About 18% of homes were built before 1960, about 1 point below Cass County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Bloomburg is 57% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Bloomburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bloomburg has an owner-occupancy rate of 81% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
68% of homes in Bloomburg are primarily heated with electricity.
What's the biggest home insurance risk near Bloomburg? FEMA's National Risk Index points to hail (Relatively Moderate) in Cass County and Cass County had 32 active NFIP flood policies as of September 2026. See the full Cass 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 | $63,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 32 |
| 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)