Home Insurance in Bremond, Texas
Homes in Bremond carry a median value of $130,000 - 30% lower than the Robertson County median.
The typical home in Bremond was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 16 points above Robertson County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bremond is 79% single-family homes, 6% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
50% of owner-occupied homes in Bremond carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bremond has an owner-occupancy rate of 61% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Bremond, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Bremond? FEMA's National Risk Index points to hurricane (Relatively Low) in Robertson County and Robertson County had 167 active NFIP flood policies as of September 2026. See the full Robertson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $130,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Robertson County | 167 |
| 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)