Home Insurance in Maypearl, Texas
The median home value in Maypearl is $335,300, close to the Ellis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Maypearl was built around 1983. About 13% of homes were built before 1960, about 5 points above Ellis County's 8%.
In Maypearl, the housing stock is 97% single-family homes.
57% of owner-occupied homes in Maypearl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maypearl has an owner-occupancy rate of 54% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Maypearl, 68% of homes are primarily heated with electricity.
Ellis County had 515 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Ellis County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $335,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)