Home Insurance in Stockton Bend, Texas
Homes in Stockton Bend carry a median value of $864,900 - 182% higher than the Hood County median.
The typical home in Stockton Bend was built around 2007. About 0% of homes were built before 1960, about 4 points below Hood County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Stockton Bend is 100% single-family homes.
In Stockton Bend, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stockton Bend has an owner-occupancy rate of 99% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Stockton Bend - 62% - 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 Hood County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $864,900 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)