Home Insurance in De Leon, Texas
Homes in De Leon carry a median value of $72,600 - 53% lower than the Comanche County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in De Leon was built around 1955. About 57% of homes were built before 1960, about 24 points above Comanche County's 33%.
The housing stock in De Leon is 77% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in De Leon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in De Leon are owner-occupied.
Most homes in De Leon - 52% - are primarily heated with electricity.
FEMA rates Comanche County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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.
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 | $72,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Comanche County | 33 |
| 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)