Home Insurance in Wolfe City, Texas
With a median home value of $150,200, Wolfe City is 38% lower than the Hunt County median.
The typical home in Wolfe City was built around 1966. About 40% of homes were built before 1960, about 30 points above Hunt County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wolfe City is 82% single-family homes, 7% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 50% of owner-occupied homes in Wolfe City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Wolfe City are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wolfe City - 51% - are primarily heated with electricity.
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.
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 | $150,200 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)