Home Insurance in Glen Rose, Texas
The median home value in Glen Rose is $261,000, 10% lower than the Somervell County median.
The typical home in Glen Rose was built around 1986. About 27% of homes were built before 1960, about 12 points above Somervell County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Glen Rose, the housing stock is 71% single-family homes, 14% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Glen Rose, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Glen Rose has an owner-occupancy rate of 65% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Glen Rose, 73% of homes are primarily heated with electricity.
Somervell County had 61 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Somervell 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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $261,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Somervell County | 61 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Glen Rose
- K STAR RANCH, LLC, Glen Rose (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)