Home Insurance in Foard County, Texas
With a median home value of $70,700, Foard County is 75% lower than the Texas median.
The typical home in Foard County was built around 1958. About 54% of homes were built before 1960, about 41 points above Texas's 12%. 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 Foard County is 83% single-family homes and 9% mobile or manufactured homes.
In Foard County, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Foard County has an owner-occupancy rate of 76% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Foard County - 55% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Foard County's top hazards are strong wind (Relatively Low), wildfire (Very Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Foard County has 3 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $70,700 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Low), Wildfire (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 3 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
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)