Home Insurance in Carl's Corner, Texas
The median home value in Carl's Corner is $93,800, 48% lower than the Hill County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Carl's Corner was built around 2004. About 0% of homes were built before 1960, about 24 points below Hill County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carl's Corner is 60% single-family homes and 40% mobile or manufactured homes.
In Carl's Corner, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Carl's Corner are owner-occupied.
85% of homes in Carl's Corner are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Hill County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
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 | $93,800 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)