Home Insurance in Cockrell Hill, Texas
The median home value in Cockrell Hill is $189,800, 37% lower than the Dallas County median.
The typical home in Cockrell Hill was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 67% of homes were built before 1960, about 50 points above Dallas County's 17%.
The housing stock in Cockrell Hill is 79% single-family homes and 15% apartments in buildings with 5+ units.
In Cockrell Hill, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cockrell Hill has an owner-occupancy rate of 58% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Cockrell Hill - 63% - are primarily heated with natural gas.
Dallas County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Dallas County had 6,674 active NFIP flood policies as of September 2026. See the full Dallas 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).
Key figures
| Median home value | $189,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Dallas County | 6,674 |
| 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)