Home Insurance in Cactus, Texas
Homes in Cactus carry a median value of $82,200 - 46% lower than the Moore County median.
The typical home in Cactus was built around 2000. About 19% of homes were built before 1960, about 7 points below Moore County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cactus, the housing stock is 14% single-family homes, 19% apartments in buildings with 5+ units and 44% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Cactus carry a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 33% of occupied homes in Cactus are owner-occupied.
In Cactus, 53% of homes are primarily heated with natural gas.
Moore County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Moore County had 11 active NFIP flood policies as of September 2026. See the full Moore 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 | $82,200 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Moore County | 11 |
| 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)