Home Insurance in Hearne, Texas
With a median home value of $83,200, Hearne is 55% lower than the Robertson County median.
The typical home in Hearne was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 18 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 Hearne is 68% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 26% of owner-occupied homes in Hearne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hearne has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
50% of homes in Hearne are primarily heated with electricity.
FEMA rates Robertson County's overall risk as Very Low, led by hurricane (Relatively Low). 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 | $83,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)