Home Insurance in Forsan, Texas
The typical home in Forsan was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 6 points below Howard County's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Forsan is 85% single-family homes and 15% mobile or manufactured homes.
About 4% of owner-occupied homes in Forsan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 36% of occupied homes in Forsan are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Forsan - 52% - are primarily heated with electricity.
What's the biggest home insurance risk near Forsan? FEMA's National Risk Index points to hail (Relatively High) in Howard County and Howard County had 67 active NFIP flood policies as of September 2026. See the full Howard 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 year built | 1971 |
|---|---|
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 4% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Howard County | 67 |
| 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)