Home Insurance in Aquilla, Texas
The typical home in Aquilla was built around 2001. About 28% of homes were built before 1960, about 4 points above Hill County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Aquilla, the housing stock is 60% single-family homes and 40% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Aquilla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Aquilla has an owner-occupancy rate of 86% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Aquilla - 86% - are primarily heated with electricity.
Hill County had 80 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Hill 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 year built | 2001 |
|---|---|
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Hill County | 80 |
| 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)