Home Insurance in Petrolia, Texas
With a median home value of $95,600, Petrolia is 44% lower 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 Petrolia was built around 1962. About 46% of homes were built before 1960, about 23 points above Clay County's 24%.
In Petrolia, the housing stock is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Petrolia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Petrolia are owner-occupied.
66% of homes in Petrolia are primarily heated with natural gas.
FEMA rates Clay County's overall risk as Very Low, led by wildfire (Relatively Low). 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 | $95,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)