Home Insurance in Callisburg, Texas
Homes in Callisburg carry a median value of $181,300 - 25% lower than the Cooke County median.
The typical home in Callisburg was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, in line with Cooke County (20%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Callisburg is 64% single-family homes and 36% mobile or manufactured homes.
In Callisburg, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Callisburg has an owner-occupancy rate of 57% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Callisburg - 90% - 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.
What's the biggest home insurance risk near Callisburg? FEMA's National Risk Index points to hail (Relatively Moderate) in Cooke County and Cooke County had 188 active NFIP flood policies as of September 2026. See the full Cooke 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 | $181,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cooke County | 188 |
| 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)