HomeInsuranceQts

Home Insurance in Cooper, Texas

With a median home value of $100,500, Cooper is 39% lower than the Delta County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Cooper was built around 1967. About 38% of homes were built before 1960, about 9 points above Delta County's 28%.

In Cooper, the housing stock is 83% single-family homes, 4% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Cooper, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Cooper has an owner-occupancy rate of 73% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.

Most homes in Cooper - 59% - are primarily heated with electricity.

FEMA rates Delta County's overall risk as Very Low, led by tornado (Relatively Low). Delta County has no active NFIP flood policies on file. See the full Delta County home insurance overview for all FEMA hazard ratings and flood coverage details.

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.

Key figures

Median home value$100,500
Median year built1967
Owner-occupied share73%
Share of owner-occupied homes with a mortgage59%
Top county hazardTornado (Relatively Low)
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Cooper, TX

Nearby towns

Sources

Data last updated: 2026-09-29