Home Insurance in Willow Park, Texas
Homes in Willow Park carry a median value of $374,200 - close to the Parker County median.
The typical home in Willow Park was built around 2003. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 5 points below Parker County's 6%.
Housing in Willow Park breaks down to 96% single-family homes and 3% apartments in buildings with 5+ units.
In Willow Park, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Willow Park has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Willow Park, 95% of homes are primarily heated with electricity.
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.
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).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $374,200 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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 Willow Park
- GODBY INSURANCE AGENCY, LLC, Willow Park (General Lines Agency)
- LINDSEY BASS INSURANCE GROUP, LLC, Willow Park (General Lines Agency)
- MARES INSURANCE GROUP INC., Willow Park (General Lines Agency)
- RAPAGLIA INSURANCE GROUP LLC, Willow Park (General Lines Agency)
- WILSON SPORTS INSURANCE SERVICES, LLC, Willow Park (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)