Home Insurance in Cashion Community, Texas
The median home value in Cashion Community is $245,800, 60% higher than the Wichita County median.
The typical home in Cashion Community was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 25 points below Wichita County's 31%.
The housing stock in Cashion Community is 76% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cashion Community, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 77% of occupied homes in Cashion Community are owner-occupied. The vacancy rate is 16%; 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. In Cashion Community, 75% of homes are primarily heated with electricity.
Wichita County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Wichita County had 681 active NFIP flood policies as of September 2026. See the full Wichita 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 | $245,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Wichita County | 681 |
| 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)