Home Insurance in Meridian, Texas
Homes in Meridian carry a median value of $116,700 - 42% lower than the Bosque County median.
The typical home in Meridian was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 10 points above Bosque County's 23%.
In Meridian, the housing stock is 77% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Meridian, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Meridian are owner-occupied.
In Meridian, 59% of homes are primarily heated with electricity.
Bosque County had 71 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Bosque 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 1 licensed insurance agencies.
Key figures
| Median home value | $116,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Bosque County | 71 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Meridian
- AVIRETT AGENCY INC, Meridian (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)