Home Insurance in Haltom City, Texas
Homes in Haltom City carry a median value of $218,800 - 32% lower than the Tarrant County median.
The typical home in Haltom City was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 12 points above Tarrant County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Haltom City is 60% single-family homes, 31% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
47% of owner-occupied homes in Haltom City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Haltom City are owner-occupied.
Most homes in Haltom City - 74% - are primarily heated with electricity.
Tarrant County had 5,647 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Tarrant County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 8 licensed insurance agencies.
Key figures
| Median home value | $218,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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 Haltom City
- AVANDOR INSURANCE AGENCY LLC, Haltom City (General Lines Agency)
- ENLACE MANAGEMENT LLC, Haltom City (General Lines Agency)
- HALTOM INSURANCE AGENCY INC., Haltom City (General Lines Agency)
- HOLD FAST TEXAS LLC, Haltom City (General Lines Agency)
- KEVIN LUONG AGENCY, LLC, Haltom City (General Lines Agency)
- M BRADLEY INSURANCE AGENCY LLC, Haltom City (General Lines Agency)
- R C INSURANCE SERVICES LLC, Haltom City (General Lines Agency)
- UNIVERSAL WEALTH PROPERTY AND CASUALTY INSURANCE LLC, Haltom City (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)