Home Insurance in Trent, Texas
Homes in Trent carry a median value of $59,100 - 70% lower than the Taylor 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 Trent was built around 1956. About 52% of homes were built before 1960, about 20 points above Taylor County's 33%.
In Trent, the housing stock is 80% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Trent carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Trent are owner-occupied.
In Trent, 59% of homes are primarily heated with electricity.
Taylor County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Taylor County had 2,087 active NFIP flood policies as of September 2026. See the full Taylor County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $59,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Taylor County | 2,087 |
| 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)