Home Insurance in Calvert, Texas
Homes in Calvert carry a median value of $116,700 - 37% lower than the Robertson County median.
The typical home in Calvert was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 9 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 Calvert is 71% single-family homes and 22% mobile or manufactured homes.
In Calvert, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Calvert has an owner-occupancy rate of 63% and a vacancy rate of 39%; unoccupied homes typically need a different coverage form.
Most homes in Calvert - 64% - are primarily heated with electricity.
Robertson County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. 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 | $116,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)