Home Insurance in Campbell, Texas
The median home value in Campbell is $86,900, 64% lower than the Hunt County median.
The typical home in Campbell was built around 1986. About 14% of homes were built before 1960, about 4 points above Hunt County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Campbell, the housing stock is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
18% of owner-occupied homes in Campbell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Campbell has an owner-occupancy rate of 58% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
51% of homes in Campbell are primarily heated with natural gas.
FEMA rates Hunt County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $86,900 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hunt County | 186 |
| 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)