Home Insurance in Muenster, Texas
Homes in Muenster carry a median value of $270,700 - 13% higher than the Cooke County median.
The typical home in Muenster was built around 1974. About 30% of homes were built before 1960, about 10 points above Cooke County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Muenster is 94% single-family homes and 5% mobile or manufactured homes.
In Muenster, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Muenster has an owner-occupancy rate of 73% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Muenster, 50% of homes are primarily heated with electricity.
FEMA rates Cooke County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $270,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)