Home Insurance in Boyd, Texas
The median home value in Boyd is $264,900, 13% lower than the Wise County median.
The typical home in Boyd was built around 1983. About 27% of homes were built before 1960, about 16 points above Wise County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Boyd is 74% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 49% of owner-occupied homes in Boyd have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Boyd has an owner-occupancy rate of 77% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Boyd, 64% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Boyd? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Wise County and Wise County had 209 active NFIP flood policies as of September 2026. See the full Wise 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $264,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Wise County | 209 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Boyd
- THE MOSLEY GROUP LLC, Boyd (General Lines Agency)
- WISE INSURANCE ADVISORS LLC, Boyd (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)