Home Insurance in Moran, Texas
The median home value in Moran is $44,300, 75% lower than the Shackelford County median.
The typical home in Moran was built around 1951. About 61% of homes were built before 1960, about 21 points above Shackelford County's 40%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moran is 75% single-family homes and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 2% of owner-occupied homes in Moran have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Moran has an owner-occupancy rate of 71% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Moran - 61% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Shackelford County had 22 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Shackelford County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $44,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 2% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Shackelford County | 22 |
| 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)