HomeInsuranceQts

Home Insurance in Oglesby, Texas

Homes in Oglesby carry a median value of $110,600 - 43% lower than the Coryell County median.

The typical home in Oglesby was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 34 points above Coryell County's 12%.

The housing stock in Oglesby is 78% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Oglesby, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Oglesby has an owner-occupancy rate of 72% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.

56% of homes in Oglesby are primarily heated with electricity.

FEMA rates Coryell County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.

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$110,600
Median year built1972
Owner-occupied share72%
Share of owner-occupied homes with a mortgage37%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in Coryell County116
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Oglesby, TX

Nearby towns

Sources

Data last updated: 2026-09-29