Home Insurance in Camp Wood, Texas
With a median home value of $77,500, Camp Wood is 31% lower than the Real County median.
The typical home in Camp Wood was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 14 points above Real County's 14%.
The housing stock in Camp Wood is 56% single-family homes and 37% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Camp Wood, about 5% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camp Wood has an owner-occupancy rate of 79% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Camp Wood - 84% - are primarily heated with electricity.
FEMA rates Real County's overall risk as Very Low, led by wildfire (Relatively Low). Real County had 133 active NFIP flood policies as of September 2026. See the full Real 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $77,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 5% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Real County | 133 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Camp Wood
- 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
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)