Home Insurance in Cross Timber, Texas
The typical home in Cross Timber was built around 2004. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 5 points below Johnson County's 7%.
The housing stock in Cross Timber is 48% single-family homes, 17% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
36% of owner-occupied homes in Cross Timber carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cross Timber has an owner-occupancy rate of 81% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cross Timber, 86% of homes are primarily heated with electricity.
Johnson County had 566 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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).
Key figures
| Median year built | 2004 |
|---|---|
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Johnson County | 566 |
| 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)