Home Insurance in South Mountain, Texas
With a median home value of $162,500, South Mountain is 17% lower than the Coryell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in South Mountain was built around 1984. About 25% of homes were built before 1960, about 13 points above Coryell County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in South Mountain is 79% single-family homes and 21% mobile or manufactured homes.
About 21% of owner-occupied homes in South Mountain have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Mountain has an owner-occupancy rate of 77% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in South Mountain - 75% - 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 | $162,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)