Home Insurance in Godley, Texas
The median home value in Godley is $372,300, 30% higher than the Johnson County median.
The typical home in Godley was built around 2016. About 14% of homes were built before 1960, about 7 points above Johnson County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Godley is 91% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 70% of owner-occupied homes in Godley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Godley are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Godley, 75% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Godley? 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).
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $372,300 |
|---|---|
| Median year built | 2016 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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 Godley
- BROWN SHIELD INSURANCE AGENCY, LLC, Godley (General Lines Agency)
- CLEVELAND INSURANCE PROFESSIONAL SERVICES PLLC, Godley (General Lines Agency)
- MARK WILSON LLC, Godley (General Lines Agency)
- SWIS INSURANCE AGENCY LLC, Godley (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)