Home Insurance in Erath County, Texas
Homes in Erath County carry a median value of $269,100 - 5% lower than the Texas median.
The typical home in Erath County was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 3 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Erath County is 68% single-family homes, 12% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
48% of owner-occupied homes in Erath County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Erath County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Erath County - 75% - are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Erath County.
Erath County had 68 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
This area lists 14 licensed insurance agencies.
Key figures
| Median home value | $269,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 68 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Erath County
- 4T AG INSURANCE LLC, Bluff Dale (General Lines Agency)
- ANDREW SCHNEIDER, LLC, Stephenville (General Lines Agency)
- ARC AGENCY LLC, Stephenville (General Lines Agency)
- BC INSURANCE GROUP OF TEXAS, INC, Stephenville (General Lines Agency)
- CASEY CUMBY INSURANCE AGENCY INC, Stephenville (General Lines Agency)
- CASHION FAMILY COMPANIES, LLC, Bluff Dale (General Lines Agency)
- FRASER AGENCY INC, Stephenville (General Lines Agency)
- KANNONBALL INSURANCE SOLUTIONS LLC, Stephenville (General Lines Agency)
- LESLIE WALKER INSURANCE AGENCY, LLC, Stephenville (General Lines Agency)
- M24 HARMON AND SONS LLC, Stephenville (General Lines Agency)
- SBMP, INC, Stephenville (General Lines Agency)
- SHADE TREE INSURANCE AGENCY, LLC, Stephenville (General Lines Agency)
- TWO COAST LLC, Stephenville (General Lines Agency)
- WALKER INSURANCE AGENCY INC, Dublin (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)