Home Insurance in Crane, Texas
Homes in Crane carry a median value of $164,900 - 27% higher than the Crane County median.
The typical home in Crane was built around 1972. About 32% of homes were built before 1960, about 4 points above Crane County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Crane, the housing stock is 78% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Crane have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Crane are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Crane - 74% - are primarily heated with electricity.
FEMA rates Crane County's overall risk as Very Low, led by wildfire (Very Low). Crane County has no active NFIP flood policies on file. See the full Crane 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $164,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Crane
- TEXAS INDEPENDENT INSURANCE SOLUTIONS LEGACY INSURANCE GROUP LLC, Crane (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)