HomeInsuranceQts

Home Insurance in Mansfield, Texas

The median home value in Mansfield is $410,700, 27% higher than the Tarrant County median.

The typical home in Mansfield was built around 2004. About 2% of homes were built before 1960, about 11 points below Tarrant County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mansfield is 78% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

About 72% of owner-occupied homes in Mansfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Mansfield has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

Most homes in Mansfield - 56% - are primarily heated with electricity.

What's the biggest home insurance risk near Mansfield? 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.

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.

38 licensed insurance agencies are listed for this area.

Key figures

Median home value$410,700
Median year built2004
Owner-occupied share72%
Share of owner-occupied homes with a mortgage72%
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 Mansfield, TX

Licensed insurance agencies in Mansfield

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

Nearby towns

Sources

Data last updated: 2026-09-29