Home Insurance in Hurst, Texas
The median home value in Hurst is $315,200, close to the Tarrant County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hurst was built around 1975. About 18% of homes were built before 1960, about 5 points above Tarrant County's 13%.
In Hurst, the housing stock is 66% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
54% of owner-occupied homes in Hurst carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hurst has an owner-occupancy rate of 58% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
58% of homes in Hurst 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.
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).
17 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $315,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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 Hurst
- AKOYA INSURANCE SERVICES LLC, Hurst (General Lines Agency)
- ARTHASHIELD LLC, Hurst (General Lines Agency)
- ASHFORD INSURANCE GROUP INC, Hurst (General Lines Agency)
- BAREBONES INSURANCE AGENCY, INC., Hurst (General Lines Agency)
- CANRION FINANCIAL LLC, Hurst (General Lines Agency)
- COVERAGE CONCEPTS LLC, Hurst (General Lines Agency)
- G AND V INSURANCE AGENCY INC, Hurst (General Lines Agency)
- JEFF HARDIN INSURANCE AGENCY LLC, Hurst (General Lines Agency)
- JOHN CALVIN FLEMING III INSURANCE AGENCY INC, Hurst (General Lines Agency)
- PAT WHITE INSURANCE AND FINANCIAL SERVICES, INC., Hurst (General Lines Agency)
- RWP INVESTMENTS LLC, Hurst (General Lines Agency)
- SHAW AND ASSOCIATES INSURANCE AGENCY, LLC, Hurst (General Lines Agency)
- TABLEMAN INSURANCE GROUP LLC, Hurst (General Lines Agency)
- TENTH MOUNTAIN AGENCY LLC, Hurst (General Lines Agency)
- TEXAS AMERICAN INSURERS INC, Hurst (General Lines Agency)
- TEXAS SUN INSURANCE AGENCY, INC., Hurst (General Lines Agency)
- WMK INSURANCE SERVICES LLC, Hurst (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)