Home Insurance in Detroit, Texas
Homes in Detroit carry a median value of $94,500 - 22% lower than the Red River County median.
The typical home in Detroit was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 6 points above Red River County's 17%.
The housing stock in Detroit is 55% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Detroit have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Detroit are owner-occupied.
In Detroit, 50% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Detroit? FEMA's National Risk Index points to tornado (Relatively Moderate) in Red River County and 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 | $94,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)