Home Insurance in Oakwood, Texas
The median home value in Oakwood is $111,500, 40% lower than the Leon County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Oakwood was built around 1957. About 53% of homes were built before 1960, about 43 points above Leon County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oakwood is 87% single-family homes and 13% mobile or manufactured homes.
11% of owner-occupied homes in Oakwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oakwood has an owner-occupancy rate of 69% and a vacancy rate of 8%; 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. 64% of homes in Oakwood are primarily heated with electricity.
Leon County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Leon County had 40 active NFIP flood policies as of September 2026. See the full Leon 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 1 licensed insurance agencies.
Key figures
| Median home value | $111,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Leon County | 40 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Oakwood
- LONGHORN INTERESTS, INC., Oakwood (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)