Home Insurance in Frankston, Texas
Homes in Frankston carry a median value of $103,700 - 44% lower than the Anderson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Frankston was built around 1982. About 13% of homes were built before 1960, about 4 points below Anderson County's 17%.
In Frankston, the housing stock is 73% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Frankston, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frankston has an owner-occupancy rate of 66% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
73% of homes in Frankston are primarily heated with electricity.
What's the biggest home insurance risk near Frankston? FEMA's National Risk Index points to tornado (Relatively High) in Anderson County and Anderson County had 48 active NFIP flood policies as of September 2026. See the full Anderson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $103,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Anderson County | 48 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Frankston
- DUSTIN HOLLADAY INC., Frankston (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
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)