Home Insurance in Westbrook, Texas
The median home value in Westbrook is $107,700, 26% higher than the Mitchell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Westbrook was built around 1969. About 36% of homes were built before 1960, about 13 points below Mitchell County's 49%.
In Westbrook, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Westbrook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Westbrook are owner-occupied.
Most homes in Westbrook - 72% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mitchell County's overall risk as Very Low, led by wildfire (Relatively Low). Mitchell County had 2 active NFIP flood policies as of September 2026. See the full Mitchell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $107,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Mitchell County | 2 |
| 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)