HomeInsuranceQts

Home Insurance in Fort Worth, Texas

The median home value in Fort Worth is $303,000, 6% lower than the Tarrant County median.

The typical home in Fort Worth was built around 1994. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 6 points above Tarrant County's 13%.

The housing stock in Fort Worth is 68% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

About 64% of owner-occupied homes in Fort Worth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Fort Worth are owner-occupied.

68% of homes in Fort Worth 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.

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.

224 licensed insurance agencies are listed for this area.

Key figures

Median home value$303,000
Median year built1994
Owner-occupied share57%
Share of owner-occupied homes with a mortgage64%
Top county hazardHail (Very High)
Active NFIP policies in Tarrant County5,647
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Fort Worth, TX

Licensed insurance agencies in Fort Worth

...and 164 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29