Home Insurance in Everman, Texas
With a median home value of $177,700, Everman is 45% lower than the Tarrant County median.
The typical home in Everman was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 15 points above Tarrant County's 13%.
Housing in Everman breaks down to 78% single-family homes and 20% apartments in buildings with 5+ units.
About 45% of owner-occupied homes in Everman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 58% of occupied homes in Everman are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Everman, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Everman? FEMA's National Risk Index points to hail (Very High) in Tarrant County and 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $177,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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 Everman
- XTREME INSURANCE AGENCY LLC, Everman (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)