Home Insurance in Seymour, Texas
With a median home value of $93,200, Seymour is 10% lower than the Baylor County median.
The typical home in Seymour was built around 1965. About 38% of homes were built before 1960, about 3 points above Baylor County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Seymour is 80% single-family homes and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
19% of owner-occupied homes in Seymour carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Seymour are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Seymour, 67% of homes are primarily heated with natural gas.
Baylor County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Baylor County had 9 active NFIP flood policies as of September 2026. See the full Baylor County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 4 licensed insurance agencies.
Key figures
| Median home value | $93,200 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Baylor County | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Seymour
- BRITTANI COFFMAN AGENCY LLC, Seymour (General Lines Agency)
- BUNKLEY & JONES INSURANCE AGENCY LLC, Seymour (General Lines Agency)
- LOVING INSURANCE AGENCY, LLC, Seymour (General Lines Agency)
- TDANIEL INSURANCE AGENCY LLC, Seymour (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)