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Home Insurance in Ranger, TX
The local housing stock, explained for Ranger homeowners shopping for coverage.
The Ranger housing stock in numbers
In Ranger, 57% of occupied homes are lived in by their owners and 67% of units are detached houses. Manufactured homes are common, at about 18% of units, and they are usually insured on a separate manufactured-home form rather than a standard HO-3. Census counts roughly 21% of units as vacant, including seasonal homes, and many policies restrict coverage when a house sits unoccupied for an extended period.
Why build year matters in Ranger
Roughly 72% of the housing stock predates 1980 and 8% is from 2000 onward. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
$4,135/yr
About $345/mo · ~$300k-$400k dwelling class
$2,349/yr
About $196/mo after modeled shopping discount
About 43.2% below local market estimate
Setting the dwelling limit in Ranger
Median home value: $66,000, according to the latest five-year Census survey. The county-wide figure is higher, at $134,800. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Coverage A through F for a Ranger home
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.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Guest medical coverage that can head off a liability claim.
Storm and flood context for Ranger
Taking all natural hazards together, FEMA rates Eastland County very low. Its leading hazards, by rating, are hail (relatively moderate) and tornadoes (relatively moderate). From 2016 to 2025, 32 hail events were recorded in Eastland County in NOAA’s Storm Events Database. 31 of those involved stones an inch or larger, the size that commonly damages shingles. The top report was 3-inch hail on April 26, 2023.
TWIA does not write in Eastland County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.
Local resources for Ranger homeowners
The Eastland County appraisal district (www.eastlandcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 211 Inspiration Blvd. Eastland, TX 76448-5514.
Ranger belongs to Eastland County. By federal definition Eastland County is rural, outside every metro and micro area. Abilene is the closest larger city, roughly 62 miles away, with Ranger to its east.
FAQ: Ranger home insurance
Does homeowners insurance in Ranger cover flooding?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. NFIP coverage is available because Ranger is a participating community, and its current flood map took effect in April 2019. In Eastland County, about 1 in 118 homes has an NFIP policy. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
How much could I save by shopping my Ranger policy?
On this page we model a 43.2% gap between the local market estimate and our estimate for Ranger. It is not a quote, and actual savings can be higher, lower or zero.
Are manufactured homes in Ranger insured differently?
Usually. Manufactured homes make up about 18% of housing units in Ranger. They are typically written on a manufactured home policy, and tie-downs, age and skirting can affect eligibility.
Is the median home value in Ranger the right dwelling limit?
Usually not. The median owner-estimated value in Ranger is $66,000, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Ready to price your Ranger home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
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 Comptroller regions
- American Community Survey 2020–2024, Ranger city: year built, home value, median year built, population, structure type, tenure
- County and state comparisons: Eastland County value, Eastland County build year
- NOAA NCEI storm reports, Eastland County
- Comptroller county directory, Eastland County
- NFIP data (OpenFEMA), Eastland County
- OMB metro and micro areas
- Census Gazetteer coordinates
- National Risk Index (FEMA), Eastland County
- NFIP Community Status Book
- Texas Windstorm Insurance Association