Home Insurance in Bowie, Texas
Homes in Bowie carry a median value of $174,300 - 16% lower than the Montague County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bowie was built around 1973. About 27% of homes were built before 1960, about 5 points above Montague County's 23%.
The housing stock in Bowie is 81% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bowie, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Bowie are owner-occupied.
58% of homes in Bowie are primarily heated with natural gas.
Montague County had 65 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). See the full Montague 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.
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $174,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Montague County | 65 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bowie
- BARBER & DAVIS, INC., Bowie (General Lines Agency)
- HENRY INSURANCE AGENCY, INC., Bowie (General Lines Agency)
- KEELAN WADE INSURANCE AGENCY, LLC, Bowie (General Lines Agency)
- MCSHAN AGENCY, LLC, Bowie (General Lines Agency)
- RELIANCE GROUP TEXAS, L.P., Bowie (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)