Home Insurance in Bowie County, Texas
The median home value in Bowie County is $173,000, 39% 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 Bowie County was built around 1984. About 15% of homes were built before 1960, about 3 points above Texas's 12%.
In Bowie County, the housing stock is 69% single-family homes, 11% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bowie County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bowie County has an owner-occupancy rate of 63% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Bowie County - 58% - are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively High), tornado (Relatively High) and earthquake (Relatively Low) as the leading hazards for Bowie County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Bowie County has 257 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
28 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $173,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Tornado (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 257 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Bowie County
- AHLSTROM INSURANCE AGENCY, LLC, Texarkana (General Lines Agency)
- ASHLEY TAYLOR INSURANCE AGENCY LLC, Texarkana (General Lines Agency)
- ATLANTA INSURANCE CONNECTION LC, Nash (General Lines Agency)
- BECK AND COMPANY LEGACY INSURANCE GROUP, LLC, Texarkana (General Lines Agency)
- BRAXTON LANGDON INSURANCE SERVICES, LLC, Texarkana (General Lines Agency)
- BRETT HUTSON INSURANCE SERVICES, LLC, New Boston (General Lines Agency)
- COMPLETE COVERAGE INSURANCE, LLP, Texarkana (General Lines Agency)
- CRITES INSURANCE SERVICES, INC., New Boston (General Lines Agency)
- DREW MIMS INSURANCE AGENCY, LLC, Texarkana (General Lines Agency)
- ERUDITION DYNAMICS, INCORPORATION, Wake Village (General Lines Agency)
- MANUFACTURED HOME INSURANCE SPECIALISTS, LLC, Texarkana (General Lines Agency)
- MAYO INSURANCE GROUP, INC., Texarkana (General Lines Agency)
- MH COVENANT LLC, New Boston (General Lines Agency)
- MURRAY INSURANCE, Texarkana (General Lines Agency)
- OPEN ROADS INSURANCE AGENCY, INC., Texarkana (General Lines Agency)
- PEEK INSURANCE AGENCY LLC., Texarkana (General Lines Agency)
- PINTAIL PROPERTY & CASUALTY INSURANCE, LLC, Texarkana (General Lines Agency)
- QUALISURE INSURANCE & FINANCIAL SERVICES INC, Texarkana (General Lines Agency)
- RANEY ELITE INSURANCE AGENCY, LLC, Texarkana (General Lines Agency)
- RED RIVER MEMBER SERVICE GROUP, LLC, Texarkana (General Lines Agency)
- REMINGTON CREECH INSURANCE AGENCY LLC, Texarkana (General Lines Agency)
- REPUBLIC INSURANCE AGENCY, LLC, Nash (General Lines Agency)
- SANDERS INSURANCE AGENCY INC, Texarkana (General Lines Agency)
- SUTTON LEGACY GROUP LLC, Texarkana (General Lines Agency)
- TEXARKANA CAPITAL INSURANCE AGENCY, P.L.L.C., Texarkana (General Lines Agency)
- THOMAS SCOTT AGENCY LLC, Nash (General Lines Agency)
- TRUSTPOINT INSURANCE GROUP LLC, Texarkana (General Lines Agency)
- YOUNG & THORNTON INSURANCE AND FINANCIAL SERVICES LLC, Texarkana (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)