Home Insurance in Azle, Texas
Homes in Azle carry a median value of $287,100 - 11% lower than the Tarrant County median.
The typical home in Azle was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 3 points below Tarrant County's 13%.
Housing in Azle breaks down to 80% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Azle, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Azle are owner-occupied.
89% of homes in Azle are primarily heated with electricity.
Tarrant County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Tarrant County had 5,647 active NFIP flood policies as of September 2026. See the full Tarrant 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).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $287,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Tarrant County | 5,647 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Azle
- CELTIC SHIELD INSURANCE ADVISORS LLC, Azle (General Lines Agency)
- MASK INSURANCE AGENCY LLC, Azle (General Lines Agency)
- SHOEMAKER 5 INC, Azle (General Lines Agency)
- TEXAS SENTINEL INSURANCE LLC, Azle (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)