Home Insurance in Nordheim, Texas
With a median home value of $47,500, Nordheim is 72% lower than the DeWitt County median.
The typical home in Nordheim was built around 1956. About 55% of homes were built before 1960, about 27 points above DeWitt County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Nordheim is 57% single-family homes and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Nordheim, about 14% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nordheim has an owner-occupancy rate of 85% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Nordheim - 69% - are primarily heated with electricity.
DeWitt County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. DeWitt County had 217 active NFIP flood policies as of September 2026. See the full DeWitt County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $47,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 14% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in DeWitt County | 217 |
| 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)