Home Insurance in Thornton, Texas
With a median home value of $84,000, Thornton is 49% lower than the Limestone County median.
The typical home in Thornton was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 22 points above Limestone County's 18%.
The housing stock in Thornton is 78% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in Thornton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Thornton are owner-occupied.
Most homes in Thornton - 54% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Limestone County's overall risk as Relatively Low, led by wildfire (Relatively Low). Limestone County had 65 active NFIP flood policies as of September 2026. See the full Limestone 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 home value | $84,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Limestone County | 65 |
| 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)