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Home Insurance in Cross Timber, TX
How Cross Timber homes and hazards compare with Johnson County and Texas as a whole, and what the differences mean for your policy.
$5,190/yr
About $432/mo · ~$300k-$400k dwelling class
$3,374/yr
About $281/mo after modeled shopping discount
About 35% below local market estimate
Cross Timber, Johnson County and Texas side by side
| Measure | Cross Timber | Johnson County | Texas |
|---|---|---|---|
| Median home value | – | $285,900 | $283,800 |
| Median year built | 2004 | 1997 | 1992 |
| Owner-occupied homes | 81% | 75% | 63% |
| Single-family detached | 47% | 69% | 64% |
| Built before 1980 | 26% | 25% | 33% |
| Built 2000 or later | 65% | 45% | 39% |
| Manufactured homes | 35% | 16% | 6% |
Homes in Cross Timber are newer than the county norm, with a median build year of 2004 against 1997 for Johnson County. Manufactured homes are more common in Cross Timber (35% of units) than across Johnson County (16%).
The Census estimate for Cross Timber is too uncertain to quote, but the Johnson County median home value is $285,900. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Hazard ratings for Johnson County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 116 hail reports |
| Tornadoes | Relatively High | 7 tornadoes |
| Strong wind | Relatively Moderate | 49 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 19 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
The National Risk Index from FEMA scores Johnson County as relatively moderate for combined natural-hazard risk. The highest-rated individual hazards are tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate).
Counting from 2000, 4 major disaster declarations for natural hazards have included Johnson County. The latest declarations were Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Extreme Wildfire Threat (2006).
Turning the Cross Timber numbers into coverage choices
- There is no TWIA option in Johnson County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in December 2012. NFIP data counts 510 residential flood policies in Johnson County, about 1 for every 124 homes. Since 2016, 37 NFIP flood claims have come from Johnson County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 2004 is the median year built for housing units in Cross Timber. Roughly 26% of the housing stock predates 1980 and 65% is from 2000 onward. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
Contacts for Cross Timber homeowners
The Johnson County appraisal district (www.johnsoncad.com) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 109 N. Main St. Cleburne, TX 76033-4941. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. The radar the weather service assigns to this point is KFWS.
Cross Timber sits within Johnson County. Johnson County is a central county of the Dallas-Fort Worth-Arlington metropolitan area.
Questions Cross Timber homeowners ask
Which weather risks matter for insuring a home in Cross Timber?
Johnson County is rated relatively moderate overall in FEMA’s National Risk Index. The top-rated hazards are tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Has Cross Timber been part of a FEMA disaster declaration?
Johnson County has been included in 4 natural-hazard major disaster declarations since 2000. The most recent was Severe Winter Storms, declared in February 2021. FEMA assistance is capped and is not a substitute for insurance.
Is windstorm insurance through TWIA an option in Cross Timber?
No, Johnson County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
How much could I save by shopping my Cross Timber policy?
The estimate cards above model about 35% below the local market figure for Cross Timber. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Request a Cross Timber homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census Bureau ACS five-year data, Cross Timber town: population, median year built, home value, structure type, tenure, year built
- National Risk Index (FEMA), Johnson County
- NWS Fort Worth/Dallas, TX
- OpenFEMA flood insurance data, Johnson County
- Texas Windstorm Insurance Association
- County and state comparisons: Johnson County value, Johnson County build year, Texas value
- Comptroller economic regions
- FEMA disaster declarations, Johnson County
- Storm Events Database (NOAA), Johnson County
- FEMA Community Status Book
- Census CBSA delineation
- Comptroller CAD listing, Johnson County