Home Insurance in Tool, Texas
With a median home value of $213,300, Tool is close to the Henderson County median.
The typical home in Tool was built around 1983. About 1% of homes were built before 1960, about 8 points below Henderson County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Tool is 73% single-family homes, 5% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Tool have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tool has an owner-occupancy rate of 81% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
93% of homes in Tool 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.
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 | $213,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)