Home Insurance in Crosby County, Texas
Homes in Crosby County carry a median value of $80,900 - 71% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Crosby County was built around 1964. About 42% of homes were built before 1960, about 29 points above Texas's 12%.
In Crosby County, the housing stock is 84% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Crosby County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Crosby County has an owner-occupancy rate of 69% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Crosby County, 53% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Crosby County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and wildfire (Very Low).
Crosby County had 9 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $80,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Crosby County
- CAPROCK INDEPENDENT INSURANCE AGENCY INC, Ralls (General Lines Agency)
- RAINWATER CROP INSURANCE LLC, Ralls (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)