Home Insurance in Zavalla, Texas
Homes in Zavalla carry a median value of $74,000 - 55% lower than the Angelina County median.
The typical home in Zavalla was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 2 points below Angelina County's 14%.
In Zavalla, the housing stock is 52% single-family homes and 47% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Zavalla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Zavalla are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Zavalla are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Angelina County had 384 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Angelina 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).
Key figures
| Median home value | $74,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Angelina County | 384 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)