Home Insurance in Westover Hills, Texas
Westover Hills's median home value is $2,000,000+.
The typical home in Westover Hills was built around 1975. About 30% of homes were built before 1960, about 17 points above Tarrant County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Westover Hills, the housing stock is 95% single-family homes and 2% apartments in buildings with 5+ units.
About 33% of owner-occupied homes in Westover Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Westover Hills has an owner-occupancy rate of 90% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Westover Hills, 53% of homes 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.
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.
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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
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)