Home Insurance in Comanche, Texas
Homes in Comanche carry a median value of $125,700 - 19% lower than the Comanche County median.
The typical home in Comanche was built around 1966. About 43% of homes were built before 1960, about 10 points above Comanche County's 33%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Comanche, the housing stock is 85% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Comanche carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Comanche has an owner-occupancy rate of 68% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
58% of homes in Comanche are primarily heated with electricity.
What's the biggest home insurance risk near Comanche? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Comanche County and Comanche County had 33 active NFIP flood policies as of September 2026. See the full Comanche County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $125,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Comanche County | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Comanche
- CIRCLE M INSURANCE SERVICES LLC, Comanche (General Lines Agency)
- DURANT PREMIER INSURANCE AGENCY LLC, Comanche (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
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)
- Texas Department of Insurance - licensed agencies (2026)