Home Insurance in Fruitvale, Texas
The median home value in Fruitvale is $189,100, 15% lower than the Van Zandt County median.
The typical home in Fruitvale was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 24 points above Van Zandt County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fruitvale is 79% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Fruitvale, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Fruitvale are owner-occupied.
Most homes in Fruitvale - 69% - are primarily heated with electricity.
What's the biggest home insurance risk near Fruitvale? FEMA's National Risk Index points to strong wind (Relatively High) in Van Zandt County and Van Zandt County had 134 active NFIP flood policies as of September 2026. See the full Van Zandt 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 | $189,100 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Van Zandt County | 134 |
| 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)