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Home Insurance in Crockett, TX
From build years to owner-occupancy, the makeup of Crockett’s housing explains much of what insurers ask. This guide starts with the homes themselves.
What Crockett housing looks like
The owner-occupancy rate is around 48%, and roughly 61% of all units are stand-alone single-family homes. Renters are the majority here, so investors should look at landlord forms and tenants at renters insurance for their belongings and liability.
Older, newer and in between: Crockett homes
Census estimates put the median construction year for homes in Crockett at 1972. About 67% of homes went up before 1980, while 2% were built in 2000 or later. Older homes can carry original wiring, galvanized or cast-iron plumbing and roofs on their second or third replacement, and underwriters ask about all three.
$5,112/yr
About $426/mo · ~$300k-$400k dwelling class
$2,909/yr
About $242/mo after modeled shopping discount
About 43.1% below local market estimate
How much coverage a Crockett home needs
The median owner-estimated home value in Crockett is $121,100. The county-wide figure is higher, at $164,900. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
The six parts of a Crockett homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default. Rural and large-lot properties often need more than the default.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Crockett
The National Risk Index from FEMA scores Houston County as relatively low for combined natural-hazard risk. The individual hazards that stand out are lightning (very high), drought (relatively moderate) and ice storms (relatively moderate). Hail turned up 30 times in Houston County in NOAA’s database between 2016 and 2025. Quarter-size or larger stones, an inch and up, appear in 26 of them. The largest reported hail was 4.5 inches on April 6, 2019.
Houston County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Local resources for Crockett homeowners
Square footage and build year on file with the Houston appraisal district (www.houstoncad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 1512-B E. Loop 304 Crockett, TX 75835-3402.
Houston County is home to Crockett. By federal definition Houston County is rural, outside every metro and micro area. The nearest bigger city is College Station, about 71 miles from Crockett as the crow flies.
FAQ: Crockett home insurance
Why do insurers ask when my Crockett home was built?
The median home was built in 1972, and about 67% predate 1980, per Census estimates. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
Does Texas law require home insurance in Crockett?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
How do I check what the appraisal district has on file for my Crockett home?
Start at www.houstoncad.org, the Houston appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
What coverage do landlords and tenants need in Crockett?
Renters occupy about 52% of homes in Crockett. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Ready to price your Crockett home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas property tax directory, Houston County
- OMB metro and micro areas
- Census Gazetteer files
- Census Bureau ACS five-year data, Crockett city: tenure, year built, median year built, home value, population, structure type
- TWIA coverage area
- Comptroller economic regions
- National Risk Index (FEMA), Houston County
- NOAA NCEI storm reports, Houston County
- County and state comparisons: Houston County value, Houston County build year