Home Insurance in Timbercreek Canyon, Texas
The median home value in Timbercreek Canyon is $400,000, 68% higher than the Randall County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Timbercreek Canyon was built around 1990. About 3% of homes were built before 1960, about 10 points below Randall County's 13%.
The housing stock in Timbercreek Canyon is 96% single-family homes and 2% apartments in buildings with 5+ units.
50% of owner-occupied homes in Timbercreek Canyon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Timbercreek Canyon are owner-occupied.
67% of homes in Timbercreek Canyon are primarily heated with natural gas.
What's the biggest home insurance risk near Timbercreek Canyon? FEMA's National Risk Index points to winter weather (Very High) in Randall County and Randall County had 313 active NFIP flood policies as of September 2026. See the full Randall 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 | $400,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Randall County | 313 |
| 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)