Home Insurance in Valley View, Texas
The median home value in Valley View is $250,500, close to the Cooke County median.
The typical home in Valley View was built around 1978. About 27% of homes were built before 1960, about 7 points above Cooke County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Valley View, the housing stock is 88% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Valley View, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Valley View are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Valley View - 55% - 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $250,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cooke County | 188 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Valley View
- FTR INSURANCE SERVICES, LLC, Valley View (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)