Home Insurance in New Boston, Texas
The median home value in New Boston is $111,500, 36% lower than the Bowie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in New Boston was built around 1978. About 21% of homes were built before 1960, about 5 points above Bowie County's 15%.
The housing stock in New Boston is 77% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In New Boston, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in New Boston are owner-occupied.
61% of homes in New Boston are primarily heated with natural gas.
Bowie County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Bowie County had 257 active NFIP flood policies as of September 2026. See the full Bowie 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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $111,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Bowie County | 257 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in New Boston
- BRETT HUTSON INSURANCE SERVICES, LLC, New Boston (General Lines Agency)
- CRITES INSURANCE SERVICES, INC., New Boston (General Lines Agency)
- MH COVENANT LLC, New Boston (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)