Home Insurance in West Orange, Texas
With a median home value of $110,700, West Orange is 36% lower than the Orange County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in West Orange was built around 1971. About 41% of homes were built before 1960, about 26 points above Orange County's 16%.
The housing stock in West Orange is 87% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in West Orange carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in West Orange are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In West Orange, 52% of homes are primarily heated with natural gas.
Orange County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Orange County had 11,771 active NFIP flood policies as of September 2026. See the full Orange 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $110,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Orange County | 11,771 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in West Orange
- JAMES DYER INSURANCE GROUP LLC, West Orange (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)