Home Insurance in Stephenville, Texas
The median home value in Stephenville is $241,300, 10% lower than the Erath County median.
The typical home in Stephenville was built around 1984. About 19% of homes were built before 1960, about 3 points above Erath County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Stephenville is 62% single-family homes, 23% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Stephenville, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stephenville has an owner-occupancy rate of 44% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
72% of homes in Stephenville are primarily heated with electricity.
FEMA rates Erath County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Erath County had 68 active NFIP flood policies as of September 2026. See the full Erath 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).
11 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $241,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Erath County | 68 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Stephenville
- 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)
- 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)
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)