Home Insurance in Woodson, Texas
The median home value in Woodson is $100,000, 12% higher than the Throckmorton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Woodson was built around 1958. About 52% of homes were built before 1960, about 4 points above Throckmorton County's 48%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Woodson is 86% single-family homes and 10% mobile or manufactured homes.
In Woodson, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Woodson are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Woodson - 79% - are primarily heated with electricity.
What's the biggest home insurance risk near Woodson? FEMA's National Risk Index points to wildfire (Relatively Low) in Throckmorton County and Throckmorton County had 1 active NFIP flood policy as of September 2026. See the full Throckmorton 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 | $100,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Throckmorton County | 1 |
| 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)