Home Insurance in Forest Hill, Texas
With a median home value of $187,400, Forest Hill is 42% lower than the Tarrant County median.
The typical home in Forest Hill was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 5 points above Tarrant County's 13%.
The housing stock in Forest Hill is 95% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 46% of owner-occupied homes in Forest Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Forest Hill has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Forest Hill, 61% of homes are primarily heated with electricity.
FEMA rates Tarrant County's overall risk as Relatively High, led by hail (Very High). 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).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $187,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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 Forest Hill
- ASSET ADVISERS INSURANCE AGENCY, LLC, Forest Hill (Pers Lines Prop and Cas Agency)
- ASSET ADVISERS INSURANCE AGENCY, LLC, Forest Hill (General Lines Agency)
- HUMBLE INSURANCE SOLUTIONS LLC, Forest Hill (General Lines Agency)
- OVERSHIELD INSURANCE SERVICES, LLC, Forest Hill (General Lines Agency)
- PRECISE HEALTH INSURANCE AGENCY LLC, Forest Hill (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Everman
- Kennedale
- Edgecliff Village
- Dalworthington Gardens
- Crowley
- Arlington
- Fort Worth
- Westover Hills
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)