Home Insurance in Enchanted Oaks, Texas
With a median home value of $415,200, Enchanted Oaks is 96% higher than the Henderson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Enchanted Oaks was built around 1982. About 0% of homes were built before 1960, about 9 points below Henderson County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Enchanted Oaks is 96% single-family homes and 4% mobile or manufactured homes.
In Enchanted Oaks, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Enchanted Oaks are owner-occupied.
In Enchanted Oaks, 95% of homes are primarily heated with electricity.
FEMA rates Henderson County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 home value | $415,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)