Home Insurance in Blum, Texas
Homes in Blum carry a median value of $68,500 - 62% lower than the Hill County median.
The typical home in Blum was built around 1987. About 30% of homes were built before 1960, about 7 points above Hill County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Blum, the housing stock is 65% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Blum carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Blum are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Blum are primarily heated with electricity.
Hill County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Hill County had 80 active NFIP flood policies as of September 2026. See the full Hill County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $68,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)