Home Insurance in Real County, Texas
With a median home value of $112,500, Real County is 60% lower than the Texas median.
The typical home in Real County was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 2 points above Texas's 12%.
In Real County, the housing stock is 63% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
12% of owner-occupied homes in Real County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Real County has an owner-occupancy rate of 78% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
Most homes in Real County - 84% - 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.
FEMA's National Risk Index lists wildfire (Relatively Low), inland flooding (Relatively Low) and hurricane (Very Low) as the leading hazards for Real County.
As of September 2026, Real County has 133 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Inland Flooding (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 133 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Real County
- PEGASUS ASSET MANAGEMENT CORPORATION, Camp Wood (Pers Lines Prop and Cas Agency)
- PEGASUS ASSET MANAGEMENT CORPORATION, Camp Wood (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)