Home Insurance in Springtown, Texas
The median home value in Springtown is $261,300, 30% lower than the Parker County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Springtown was built around 1989. About 10% of homes were built before 1960, about 3 points above Parker County's 6%.
In Springtown, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Springtown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Springtown are owner-occupied.
Most homes in Springtown - 79% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $261,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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 Springtown
- ALBRACHT HARWOOD INSURANCE AGENCY, INC., Springtown (General Lines Agency)
- ALBRACHT INSURANCE AGENCY, LLC, Springtown (General Lines Agency)
- BERGEN INS AGENCY LLC, Springtown (General Lines Agency)
- DAMON LILES INSURANCE AGENCY, INCORPORATED, Springtown (General Lines Agency)
- REO INSURANCE AGENCY, LLC, Springtown (General Lines Agency)
- RIVERSTONE INSURANCE AGENCY OF TX LLC, Springtown (General Lines Agency)
- WOODS INSURANCE AGENCY, LLC, Springtown (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)