Home Insurance in Arcola, Texas
With a median home value of $242,600, Arcola is 35% lower than the Fort Bend County median.
The typical home in Arcola was built around 2001. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 2 points below Fort Bend County's 2%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arcola is 58% single-family homes, 11% apartments in buildings with 5+ units and 30% mobile or manufactured homes.
About 43% of owner-occupied homes in Arcola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Arcola has an owner-occupancy rate of 60% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Arcola - 86% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Fort Bend County's overall risk as Relatively High, led by tornado (Very High). Fort Bend County had 40,102 active NFIP flood policies as of September 2026. See the full Fort Bend 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 | $242,600 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Fort Bend County | 40,102 |
| 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)