Home Insurance in Miller's Cove, Texas
Miller's Cove's median home value is under $10,000.
The typical home in Miller's Cove was built around 1997. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 0% of homes were built before 1960, about 12 points below Titus County's 12%.
In Miller's Cove, the housing stock is 12% single-family homes and 88% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Miller's Cove carry a mortgage.
About 67% of occupied homes in Miller's Cove are owner-occupied.
88% of homes in Miller's Cove are primarily heated with electricity.
Titus County had 38 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Titus 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 | under $10,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Titus County | 38 |
| 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)