Home Insurance in Cool, Texas
The median home value in Cool is $428,000, 14% higher than the Parker County median.
The typical home in Cool was built around 1997. About 13% of homes were built before 1960, about 7 points above Parker County's 6%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cool, the housing stock is 83% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
69% of owner-occupied homes in Cool carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Cool are owner-occupied.
Most homes in Cool - 70% - 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.
Parker County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 | $428,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)