Home Insurance in Ranger, Texas
With a median home value of $66,000, Ranger is 51% lower than the Eastland County median.
The typical home in Ranger was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 5 points above Eastland County's 46%.
In Ranger, the housing stock is 69% single-family homes, 7% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ranger, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Ranger are owner-occupied.
51% of homes in Ranger are primarily heated with natural gas.
Eastland County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Eastland County had 75 active NFIP flood policies as of September 2026. See the full Eastland 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $66,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Eastland County | 75 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ranger
- JENNIFER TUCKER INC, Ranger (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)