Home Insurance in Moore Station, Texas
Homes in Moore Station carry a median value of $101,800 - 52% lower than the Henderson County median.
The typical home in Moore Station was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 4 points above 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 Moore Station is 56% single-family homes and 44% mobile or manufactured homes.
About 8% of owner-occupied homes in Moore Station have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Moore Station are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Moore Station - 71% - are primarily heated with electricity.
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.
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 | $101,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)