Home Insurance in Crowell, Texas
The median home value in Crowell is $59,500, 16% lower than the Foard County median.
The typical home in Crowell was built around 1956. About 59% of homes were built before 1960, about 6 points above Foard County's 54%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Crowell, the housing stock is 81% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Crowell, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crowell has an owner-occupancy rate of 66% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
60% of homes in Crowell 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.
FEMA rates Foard County's overall risk as Very Low, led by strong wind (Relatively Low). Foard County had 3 active NFIP flood policies as of September 2026. See the full Foard 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 | $59,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Strong Wind (Relatively Low) |
| Active NFIP policies in Foard County | 3 |
| 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)