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Home Insurance in Wake Village, TX
How Wake Village homes and hazards compare with Bowie County and Texas as a whole, and what the differences mean for your policy.
$4,719/yr
About $393/mo · ~$300k-$400k dwelling class
$2,803/yr
About $234/mo after modeled shopping discount
About 40.6% below local market estimate
How Wake Village homes compare
| Measure | Wake Village | Bowie County | Texas |
|---|---|---|---|
| Median home value | $186,000 | $173,000 | $283,800 |
| Median year built | 1984 | 1984 | 1992 |
| Owner-occupied homes | 52% | 63% | 63% |
| Single-family detached | 79% | 67% | 64% |
| Built before 1980 | 42% | 43% | 33% |
| Built 2000 or later | 14% | 24% | 39% |
| Manufactured homes | 4% | 13% | 6% |
By median build year, Wake Village (1984) and Bowie County (1984) are similar. Owner-occupancy is lower than the county figure (52% versus 63%). Manufactured homes are less common in Wake Village (4% of units) than across Bowie County (13%).
Census data shows a median home value of $186,000 in Wake Village. The Bowie County median is similar, at $173,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Bowie County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 48 hail reports |
| Tornadoes | Relatively High | 11 tornadoes |
| Strong wind | Relatively Moderate | 83 thunderstorm wind reports |
| Inland flooding | Relatively Low | 22 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Bowie County as relatively low. Its leading hazards, by rating, are ice storms (very high), hail (relatively high) and tornadoes (relatively high).
FEMA has issued 9 natural-hazard major disaster declarations covering Bowie County since 2000. Among the most recent are Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Coverage takeaways for Wake Village
- Wind coverage in Bowie County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Wake Village participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to December 2017. Only about 1 in 148 homes in Bowie County carries an NFIP policy (215 residential policies). NFIP records show 54 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- According to the Census Bureau, the typical home in Wake Village went up around 1984. Pre-1980 houses are about 42% of the stock, and post-2000 houses about 14%. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Local offices and records
Before you request quotes, pull your record from the Bowie appraisal district at www.bowieappraisal.com; the Texas Comptroller’s Bowie County directory lists its contact details. Its office is at 122 Plaza W., Suite A Texarkana, TX 75501-5917. For local warnings, the responsible National Weather Service office is NWS Shreveport, LA. The associated NEXRAD radar is KSHV.
The county for Wake Village is Bowie County. Bowie County forms part of the urban core of the Texarkana-AR metro. Longview is the closest larger city, roughly 72 miles away, with Wake Village to its northeast.
Wake Village coverage questions
What natural hazards affect Wake Village homes most?
Overall, FEMA scores Bowie County as relatively low. Its standout hazards are ice storms (very high), hail (relatively high) and tornadoes (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
How many major disasters has Bowie County seen?
Bowie County has been included in 9 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.
Do renters and landlords in Wake Village need different policies?
Yes. About 48% of occupied homes in Wake Village are renter-occupied, per Census estimates. Tenants need a renters policy for belongings and liability, while owners who lease a home usually need a landlord (dwelling fire) policy instead of a standard homeowners form.
Is Wake Village in the TWIA coverage area?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Bowie County is not among them. Your homeowners carrier covers wind and hail.
Compare Wake Village home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Wake Village page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- County and state comparisons: Bowie County value, Bowie County build year, Texas value
- NOAA Storm Events Database, Bowie County
- NWS Shreveport, LA
- Comptroller county directory, Bowie County
- OpenFEMA flood insurance data, Bowie County
- Comptroller economic regions
- Texas Windstorm Insurance Association
- FEMA declared disasters, Bowie County
- Community Status Book (NFIP)
- Census ACS 2020–2024, Wake Village city: structure type, tenure, home value, population, median year built, year built
- FEMA NRI county ratings, Bowie County
- Census CBSA delineation
- Gazetteer (Census)