Home Insurance in Mount Calm, Texas
The median home value in Mount Calm is $111,700, 38% lower than the Hill County median.
The typical home in Mount Calm was built around 1992. About 22% of homes were built before 1960, about 1 point below Hill County's 24%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mount Calm, the housing stock is 47% single-family homes and 53% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mount Calm, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Mount Calm are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
95% of homes in Mount Calm 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $111,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Hill County | 80 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Mount Calm
- RAWLS GLOBAL PARTNERS INC, Mount Calm (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)