Home Insurance in Comanche County, Texas
The median home value in Comanche County is $155,600, 45% lower than the Texas median.
The typical home in Comanche County was built around 1977. About 33% of homes were built before 1960, about 21 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Comanche County, the housing stock is 80% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in Comanche County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Comanche County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Comanche County, 63% of homes 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.
FEMA's National Risk Index lists wildfire (Relatively Moderate), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Comanche County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Comanche County has 33 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).
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $155,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Comanche County
- CIRCLE M INSURANCE SERVICES LLC, Comanche (General Lines Agency)
- DURANT PREMIER INSURANCE AGENCY LLC, Comanche (General Lines Agency)
- GUSTINE INSURANCE AGENCY INC, Gustine (General Lines Agency)
- HOMETOWN INSURANCE GROUP LLC, Comanche (General Lines Agency)
- STONEBROOK INSURANCE, LLC, Comanche (General Lines Agency)
- TEXAS RURAL LIVING INSURANCE AGENCY INC., Comanche (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)