Home Insurance in Evant, Texas
With a median home value of $94,700, Evant is 52% lower than the Coryell County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Evant was built around 1966. About 37% of homes were built before 1960, about 26 points above Coryell County's 12%.
In Evant, the housing stock is 89% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Evant, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Evant are owner-occupied.
Most homes in Evant - 54% - are primarily heated with electricity.
Coryell County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Coryell County had 116 active NFIP flood policies as of September 2026. See the full Coryell 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 | $94,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Coryell County | 116 |
| 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)