HomeInsuranceQts

Home Insurance in Parker County, Texas

Homes in Parker County carry a median value of $375,900 - 32% higher than the Texas median.

The typical home in Parker County was built around 2002. About 6% of homes were built before 1960, about 6 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Parker County, the housing stock is 78% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Parker County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Parker County has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

Most homes in Parker County - 77% - 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.

The top hazards for Parker County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), tornado (Relatively High) and hail (Relatively Moderate).

Parker County had 450 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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.

48 licensed insurance agencies serve this area.

Key figures

Median home value$375,900
Median year built2002
Owner-occupied share81%
Share of owner-occupied homes with a mortgage60%
Top hazards (FEMA National Risk Index)Wildfire (Relatively Moderate), Tornado (Relatively High), Hail (Relatively Moderate)
Active NFIP flood policies (county)450
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

Licensed insurance agencies in Parker County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources