Home Insurance in Somervell County, Texas
The median home value in Somervell County is $289,500, close to the Texas median.
The typical home in Somervell County was built around 1995. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 3 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Somervell County is 70% single-family homes, 4% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
About 51% of owner-occupied homes in Somervell County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Somervell County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Somervell County - 83% - are primarily heated with electricity.
Per FEMA's National Risk Index, Somervell County's top hazards are wildfire (Relatively Low), hurricane (Very Low) and tornado (Relatively Low).
Somervell County had 61 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $289,500 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 61 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Somervell County
- K STAR RANCH, LLC, Glen Rose (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)
- Texas Department of Insurance - licensed agencies (2026)