Home Insurance in Crockett County, Texas
The typical home in Crockett County was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 17 points above Texas's 12%.
In Crockett County, the housing stock is 82% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Crockett County, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in Crockett County are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Crockett County - 52% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Crockett County's top hazards are wildfire (Relatively Low), inland flooding (Very Low) and hurricane (Very Low).
As of September 2026, Crockett County has 24 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
Key figures
| Median year built | 1976 |
|---|---|
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Inland Flooding (Very Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 24 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Sources
- 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)