Home Insurance in Caney City, Texas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Caney City was built around 1994. About 6% of homes were built before 1960, about 3 points below Henderson County's 9%.
In Caney City, the housing stock is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Caney City, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Caney City has an owner-occupancy rate of 83% and a vacancy rate of 39%; unoccupied homes typically need a different coverage form.
Most homes in Caney City - 92% - 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.
Henderson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Henderson County had 239 active NFIP flood policies as of September 2026. See the full Henderson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1994 |
|---|---|
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Henderson County | 239 |
| 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)