Home Insurance in River Oaks, Texas
With a median home value of $223,800, River Oaks is 31% lower than the Tarrant County median.
The typical home in River Oaks was built around 1953. About 67% of homes were built before 1960, about 54 points above Tarrant County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in River Oaks is 87% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In River Oaks, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in River Oaks are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In River Oaks, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near River Oaks? 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.
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).
Key figures
| Median home value | $223,800 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 77% |
| 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) |
Nearby towns
- Westworth Village
- Sansom Park
- Westover Hills
- Fort Worth
- Lake Worth
- White Settlement
- Lakeside
- Blue Mound
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)