Home Insurance in Caddo Mills, Texas
Homes in Caddo Mills carry a median value of $299,700 - 24% higher than the Hunt 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 Caddo Mills was built around 1997. About 15% of homes were built before 1960, about 5 points above Hunt County's 10%.
Housing in Caddo Mills breaks down to 88% single-family homes and 7% apartments in buildings with 5+ units.
In Caddo Mills, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Caddo Mills has an owner-occupancy rate of 71% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Caddo Mills - 50% - are primarily heated with electricity.
Hunt County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Hunt County had 186 active NFIP flood policies as of September 2026. See the full Hunt 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $299,700 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hunt County | 186 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Caddo Mills
- MOORE FARMS & INSURANCE SERVICES, LLC, Caddo Mills (General Lines Agency)
- TEXAS ENSURE INC, Caddo Mills (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)