Fort Worth, TX
Rental property insurance for Fort Worth landlords
Coverage for rental homes and 2–4 unit buildings in Fort Worth, with local Census housing data. A quote is not a binder.
With an estimated 1,008,106 residents, Fort Worth has around 147,054 renter households, about 43% of occupied housing. Statewide, Texas sits at 37%, so Fort Worth's rental share is above the state figure.
Fort Worth rental housing by the numbers
| Measure | Fort Worth | Texas |
|---|---|---|
| Renter-occupied homes | 43% (147,054) | 37% |
| Median owner-occupied home value | $303,000 | $283,800 |
| Median gross rent | $1,509/mo | $1,403/mo |
| Median year structure built | 1994 | 1992 |
| Homes in 2–4 unit buildings | 5% | 5% |
| Single-family homes (detached or attached) | 68% | 67% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Dwelling limits for Fort Worth landlords
The median owner-occupied home in Fort Worth is valued at about $303,000, in line with the Texas median of $283,800. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
If your rental is insured somewhere around Fort Worth's median, the closest NAIC benchmark is the $300,000–$324,999 band, where the 2023 Texas dwelling-fire average was $1,933. The all-amounts state figure was $1,226.
How much rent to protect in Fort Worth
The Census median gross rent for Fort Worth, $1,509 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $18,108 per unit.
How old Fort Worth's housing is, and why it matters
Fort Worth's median home dates to about 1994. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
What Fort Worth landlords typically own
Fort Worth's housing is mixed: about 68% single-family, 5% in 2–4 unit buildings, and 25% in buildings of five or more units. Dwelling forms fit up to four units; larger buildings need commercial apartment coverage.
How Fort Worth compares with nearby Texas markets
For comparison, Arlington comes in at 46% rented and $304,700 median value, with median rent of $1,470. Houston has a renter share of 58% with homes valued around $277,800 at the median. In San Antonio, 48% of occupied homes are rented and the median value is $235,700. By renter share, Fort Worth is number 17 on our list of 30 Texas cities. Buildings with five or more units hold about 25% of Fort Worth's homes; those generally need commercial apartment coverage rather than dwelling forms.
Natural hazards Fort Worth landlords plan for
Texas landlords generally plan around hail, especially across North and Central Texas, wind and hurricane exposure near the Gulf coast, and winter freeze events that burst pipes. Those exposures apply in Fort Worth as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Fort Worth quote checklist
- Prior carrier, expiration date, and five-year loss history
- Mortgage company details, if financed
- Desired liability limit and loss-of-rents amount
- Street address in Fort Worth and number of units
- When the building went up and when the roof was last replaced
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
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Fort Worth landlord insurance questions
What share of Fort Worth homes are rentals?
About 43% of occupied homes in Fort Worth, roughly 147,054 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Fort Worth?
Not by statute. In practice, a Fort Worth rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Fort Worth?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near Fort Worth
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.