Home Insurance in Cove, Texas
The median home value in Cove is $280,800, 15% lower than the Chambers County median.
The typical home in Cove was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 15 points above Chambers County's 7%.
The housing stock in Cove is 57% single-family homes and 43% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Cove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cove has an owner-occupancy rate of 61% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Cove - 83% - 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.
Chambers County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Chambers County had 3,573 active NFIP flood policies as of September 2026. See the full Chambers County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $280,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Chambers County | 3,573 |
| 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)