Home Insurance in King County, Texas
With a median home value of $52,100, King County is 82% lower than the Texas median.
The typical home in King County was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 17 points above Texas's 12%.
The housing stock in King County is 70% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
3% of owner-occupied homes in King County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
King County has an owner-occupancy rate of 59% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in King County are primarily heated with propane.
FEMA's National Risk Index lists wildfire (Very Low), hail (Relatively Low) and hurricane (Very Low) as the leading hazards for King County.
King County has no active NFIP flood policies on file. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $52,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hail (Relatively Low), Hurricane (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Sources
- 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)