Home Insurance in Strawn, Texas
Homes in Strawn carry a median value of $86,200 - 56% lower than the Palo Pinto County median.
The typical home in Strawn was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 21 points above Palo Pinto County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Strawn is 84% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 25% of owner-occupied homes in Strawn have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Strawn are owner-occupied.
54% of homes in Strawn are primarily heated with natural gas.
Palo Pinto County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Palo Pinto County had 155 active NFIP flood policies as of September 2026. See the full Palo Pinto 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 | $86,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Palo Pinto County | 155 |
| 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)