Home Insurance in Bardwell, Texas
Homes in Bardwell carry a median value of $133,000 - 62% lower than the Ellis County median.
The typical home in Bardwell was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 5 points above Ellis County's 8%.
The housing stock in Bardwell is 66% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Bardwell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bardwell has an owner-occupancy rate of 57% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Bardwell, 63% of homes are primarily heated with electricity.
Ellis County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Ellis County had 515 active NFIP flood policies as of September 2026. See the full Ellis 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 | $133,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Ellis County | 515 |
| 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)