Home Insurance in Annetta North, Texas
Homes in Annetta North carry a median value of $636,700 - 69% higher than the Parker County median.
The typical home in Annetta North was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 2 points above Parker County's 6%.
In Annetta North, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
46% of owner-occupied homes in Annetta North carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 92% of occupied homes in Annetta North are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Annetta North, 76% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Annetta North? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Parker County and 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).
Key figures
| Median home value | $636,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Parker County | 450 |
| 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)