Home Insurance in Ames, Texas
Homes in Ames carry a median value of $203,600 - 12% higher than the Liberty County median.
The typical home in Ames was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 5 points above Liberty County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ames is 75% single-family homes and 25% mobile or manufactured homes.
38% of owner-occupied homes in Ames carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Ames are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Ames are primarily heated with electricity.
FEMA rates Liberty County's overall risk as Relatively Low, led by tornado (Relatively High). Liberty County had 1,901 active NFIP flood policies as of September 2026. See the full Liberty County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $203,600 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Liberty County | 1,901 |
| 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)