Home Insurance in Coke County, Texas
Homes in Coke County carry a median value of $117,900 - 58% lower than the Texas median.
The typical home in Coke County was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 16 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coke County is 71% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Coke County, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coke County has an owner-occupancy rate of 71% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Coke County - 65% - 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.
The top hazards for Coke County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and strong wind (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Coke County has 7 active NFIP flood policies on file.
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).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $117,900 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Coke County
- KEITH L. SELLERS, LLC, Bronte (General Lines Agency)
- LM FLETCHER ENTERPRISES LLC, Bronte (General Lines Agency)
- RUSSELL DAVIS INSURANCE SERVICES INC., Robert Lee (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)
- Texas Department of Insurance - licensed agencies (2026)