Home Insurance in Angelina County, Texas
The median home value in Angelina County is $163,500, 42% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Angelina County was built around 1986. About 14% of homes were built before 1960, about 2 points above Texas's 12%.
The housing stock in Angelina County is 66% single-family homes, 10% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Angelina County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Angelina County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Angelina County, 70% of homes are primarily heated with electricity.
The top hazards for Angelina County, per FEMA's National Risk Index, are strong wind (Relatively High), hurricane (Relatively Low) and wildfire (Relatively Low).
As of September 2026, Angelina County has 384 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).
17 licensed insurance agencies serve this area.
Key figures
| Median home value | $163,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 384 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Angelina County
- ALAMO INSURANCE SERVICES LLC, Lufkin (General Lines Agency)
- DON BRILEY INSURANCE LLC, Lufkin (General Lines Agency)
- INTEGRA FINANCIAL GROUP, LTD., Huntington (General Lines Agency)
- JAY JACKSON INSURANCE AGENCY, INC., Lufkin (General Lines Agency)
- JEREMY BRANSKE AGENCY INC, Lufkin (General Lines Agency)
- JP SHAW INSURANCE AGENCY, INC., Lufkin (General Lines Agency)
- LUMBERMEN'S INSURANCE AGENCY INC, Lufkin (General Lines Agency)
- MORGAN INSURANCE AGENCY, LTD., Lufkin (General Lines Agency)
- NATHAN E. TERRELL INSURANCE AGENCY, INC., Diboll (General Lines Agency)
- R & S INSURNACE AGENCY, LLC, Lufkin (General Lines Agency)
- RAY AND ALISHA ALLEN INSURANCE AGENCY LLC, Lufkin (General Lines Agency)
- SPOUDAIOS LLC, Lufkin (General Lines Agency)
- SWAIN AND BALDWIN INSURANCE, LLC, Lufkin (General Lines Agency)
- TAM-GP, LLC, Lufkin (General Lines Agency)
- TERRY VARNER INSURANCE SERVICES, LLC, Lufkin (General Lines Agency)
- W&W ENTERPRISE LLC, Lufkin (General Lines Agency)
- WTI BOYD COMPANY, Lufkin (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)