Home Insurance in Aledo, Texas
With a median home value of $465,100, Aledo is 24% higher than the Parker County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Aledo was built around 2010. About 1% of homes were built before 1960, about 6 points below Parker County's 6%.
The housing stock in Aledo is 99% single-family homes and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in Aledo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Aledo are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Aledo, 60% of homes are primarily heated with electricity.
FEMA rates Parker County's overall risk as Relatively Moderate, led by wildfire (Relatively Moderate). Parker County had 450 active NFIP flood policies as of September 2026. See the full Parker 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).
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $465,100 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Parker County | 450 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Aledo
- AMAYA PREMIER AGENCY INC, Aledo (General Lines Agency)
- ANDREW MCCULLOCH AGENCY, LLC, Aledo (General Lines Agency)
- CARSON FAMILY AGENCY LLC, Aledo (General Lines Agency)
- CHRISTI JAMES INSURANCE SERVICES, LLC, Aledo (General Lines Agency)
- KLEVER COVERAGE INC, Aledo (General Lines Agency)
- MOSS INSURANCE GROUP, INC., Aledo (General Lines Agency)
- SWELL RISK PARTNERS LLC, Aledo (General Lines Agency)
- VOLMERT RISK MANAGEMENT, LLC, Aledo (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Annetta North
- Willow Park
- Hudson Oaks
- Benbrook
- White Settlement
- Weatherford
- Lakeside
- Westworth Village
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)