Home Insurance in DeCordova, Texas
Homes in DeCordova carry a median value of $340,700 - 11% higher than the Hood County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in DeCordova was built around 1987. About 0% of homes were built before 1960, about 4 points below Hood County's 4%.
Housing in DeCordova breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
About 45% of owner-occupied homes in DeCordova have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
DeCordova has an owner-occupancy rate of 96% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in DeCordova - 93% - are primarily heated with electricity.
What's the biggest home insurance risk near DeCordova? FEMA's National Risk Index points to tornado (Relatively High) in Hood County and Hood County had 479 active NFIP flood policies as of September 2026. See the full Hood 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 | $340,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hood County | 479 |
| 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)