Home Insurance in Anderson County, Texas
The median home value in Anderson County is $185,300, 35% lower than the Texas median.
The typical home in Anderson County was built around 1985. About 17% of homes were built before 1960, about 4 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Anderson County, the housing stock is 67% single-family homes, 7% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Anderson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Anderson County has an owner-occupancy rate of 72% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Anderson County - 75% - are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and wildfire (Relatively Low) as the leading hazards for Anderson County.
As of September 2026, Anderson County has 48 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 11 licensed insurance agencies.
Key figures
| Median home value | $185,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 48 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Anderson County
- BROWN-MCCANN INSURANCE AGENCY, Palestine (General Lines Agency)
- DABB LLC, Palestine (Pers Lines Prop and Cas Agency)
- DOGWOOD INSURANCE AGENCY, LLC, Palestine (General Lines Agency)
- DUSTIN HOLLADAY INC., Frankston (General Lines Agency)
- EAST TEXAS AFFORDABLE INSURANCE, Palestine (General Lines Agency)
- ERNIE WILLIAMS INSURANCE AGENCY LLC, Palestine (General Lines Agency)
- JONATHAN HUMBER INSURANCE AGENCY LLC, Palestine (General Lines Agency)
- LIMITLESS INSURANCE GROUP, LIMITED LIABILITY COMPANY, Palestine (General Lines Agency)
- MCMAHAN & GRIMSLEY INSURANCE AGENCY, LLC, Palestine (General Lines Agency)
- NICHOLSON INSURANCE GROUP LLC, Frankston (General Lines Agency)
- TATUM INSURANCE GROUP, LLC, Frankston (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)