Home Insurance in Eden, Texas
The median home value in Eden is $78,100, 27% lower than the Concho County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Eden was built around 1966. About 39% of homes were built before 1960, about 3 points above Concho County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eden is 81% single-family homes and 17% mobile or manufactured homes.
43% of owner-occupied homes in Eden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Eden has an owner-occupancy rate of 71% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Eden, 49% of homes are primarily heated with natural gas.
Concho County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is wildfire (Very Low). See the full Concho 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.
Key figures
| Median home value | $78,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Concho County | 1 |
| 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)