Home Insurance in Dean, Texas
With a median home value of $200,900, Dean is 17% higher than the Clay County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dean was built around 1989. About 23% of homes were built before 1960, in line with Clay County (24%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dean is 77% single-family homes and 23% mobile or manufactured homes.
In Dean, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dean has an owner-occupancy rate of 88% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Dean are primarily heated with electricity.
Clay County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Clay County had 42 active NFIP flood policies as of September 2026. See the full Clay 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 | $200,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Clay County | 42 |
| 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)