Home Insurance in Como, Texas
The median home value in Como is $169,800, 23% lower than the Hopkins County median.
The typical home in Como was built around 1976. About 22% of homes were built before 1960, about 4 points above Hopkins County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Como is 80% single-family homes, 1% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
25% of owner-occupied homes in Como carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Como has an owner-occupancy rate of 66% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Como - 54% - 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.
What's the biggest home insurance risk near Como? FEMA's National Risk Index points to tornado (Relatively High) in Hopkins County and Hopkins County had 77 active NFIP flood policies as of September 2026. See the full Hopkins 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $169,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hopkins County | 77 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Como
- ARAE INSURANCE RESOURCES, LLC, Como (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)