Home Insurance in Cooke County, Texas
Homes in Cooke County carry a median value of $240,400 - 15% lower than the Texas median.
The typical home in Cooke County was built around 1983. About 20% of homes were built before 1960, about 8 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cooke County is 76% single-family homes, 7% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Cooke County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Cooke County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cooke County - 63% - 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 hail (Relatively Moderate), wildfire (Relatively Moderate) and tornado (Relatively High) as the leading hazards for Cooke County.
As of September 2026, Cooke County has 188 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $240,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Moderate), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 188 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Cooke County
- ANDREW CRENSHAW INSURANCE SERVICES, LLC, Gainesville (General Lines Agency)
- DEKA INSURANCE AGENCY, LLC, Gainesville (General Lines Agency)
- DIETER INSURANCE AGENCY, INC., Gainesville (General Lines Agency)
- DONDA CORPORATION, Gainesville (General Lines Agency)
- DOUGHERTY INNOVATIONS LLC, Lindsay (General Lines Agency)
- FSHS INSURANCE, LLC, Gainesville (General Lines Agency)
- FTR INSURANCE SERVICES, LLC, Valley View (General Lines Agency)
- J PAUL MORGAN INSURANCE AGENCY, Gainesville (General Lines Agency)
- KENNY & LISA JONES INSURANCE GROUP, LLC, Gainesville (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)