Home Insurance in Bogata, Texas
Homes in Bogata carry a median value of $94,300 - 22% lower than the Red River County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bogata was built around 1975. About 29% of homes were built before 1960, about 12 points above Red River County's 17%.
In Bogata, the housing stock is 83% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bogata, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Bogata are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bogata, 49% of homes are primarily heated with electricity.
FEMA rates Red River County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Red River County had 2 active NFIP flood policies as of September 2026. See the full Red River 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).
Key figures
| Median home value | $94,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Red River County | 2 |
| 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)