Home Insurance in White Settlement, Texas
With a median home value of $187,100, White Settlement is 42% lower than the Tarrant County median.
The typical home in White Settlement was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, about 21 points above Tarrant County's 13%.
In White Settlement, the housing stock is 68% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in White Settlement carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
White Settlement has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in White Settlement - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near White Settlement? 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $187,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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 White Settlement
- NEVJESTIC INSURANCE AGENCY LLC, White Settlement (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)