Home Insurance in Cuney, Texas
The typical home in Cuney was built around 1995. About 19% of homes were built before 1960, in line with Cherokee County (18%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cuney, the housing stock is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cuney, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cuney has an owner-occupancy rate of 94% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 86% of homes in Cuney are primarily heated with electricity.
What's the biggest home insurance risk near Cuney? FEMA's National Risk Index points to strong wind (Relatively High) in Cherokee County and Cherokee County had 147 active NFIP flood policies as of September 2026. See the full Cherokee 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 year built | 1995 |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Cherokee County | 147 |
| 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)