Home Insurance in Hackberry, Texas
The median home value in Hackberry is $416,600, close to the Denton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hackberry was built around 2013. About 0% of homes were built before 1960, about 2 points below Denton County's 3%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hackberry is 91% single-family homes and 9% mobile or manufactured homes.
78% of owner-occupied homes in Hackberry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Hackberry are owner-occupied.
In Hackberry, 68% of homes are primarily heated with electricity.
FEMA rates Denton County's overall risk as Relatively High, led by tornado (Very High). Denton County had 2,159 active NFIP flood policies as of September 2026. See the full Denton 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 | $416,600 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Denton County | 2,159 |
| 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)