Home Insurance in Thorntonville, Texas
Homes in Thorntonville carry a median value of $200,000 - 33% higher than the Ward County median.
The typical home in Thorntonville was built around 1982. About 34% of homes were built before 1960, about 6 points above Ward County's 27%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Thorntonville is 69% single-family homes and 28% mobile or manufactured homes.
26% of owner-occupied homes in Thorntonville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Thorntonville are owner-occupied.
Most homes in Thorntonville - 63% - are primarily heated with electricity.
Ward County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Ward 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 | $200,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Ward County | 6 |
| 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)