Home Insurance in Alvarado, Texas
Homes in Alvarado carry a median value of $249,000 - 13% lower than the Johnson County median.
The typical home in Alvarado was built around 1999. About 12% of homes were built before 1960, about 5 points above Johnson County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Alvarado is 75% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
66% of owner-occupied homes in Alvarado carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alvarado has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Alvarado - 80% - are primarily heated with electricity.
What's the biggest home insurance risk near Alvarado? FEMA's National Risk Index points to tornado (Relatively High) in Johnson County and Johnson County had 566 active NFIP flood policies as of September 2026. See the full Johnson 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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $249,000 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Johnson County | 566 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Alvarado
- CG INNOVATIVE INSURANCE & MULTISERVICES LLC, Alvarado (General Lines Agency)
- REGAL INSURANCE AGENCY, LLC, Alvarado (General Lines Agency)
- TAMAYO INSURANCE AGENCY LLC, Alvarado (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)