Home Insurance in Texarkana, Texas
The median home value in Texarkana is $171,500, close to the Bowie County median.
The typical home in Texarkana was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 6 points above Bowie County's 15%.
In Texarkana, the housing stock is 67% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Texarkana carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Texarkana are owner-occupied.
In Texarkana, 52% of homes are primarily heated with electricity.
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).
21 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $171,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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 Texarkana
- AHLSTROM INSURANCE AGENCY, LLC, Texarkana (General Lines Agency)
- ASHLEY TAYLOR INSURANCE AGENCY LLC, Texarkana (General Lines Agency)
- BECK AND COMPANY LEGACY INSURANCE GROUP, LLC, Texarkana (General Lines Agency)
- BRAXTON LANGDON INSURANCE SERVICES, LLC, Texarkana (General Lines Agency)
- COMPLETE COVERAGE INSURANCE, LLP, Texarkana (General Lines Agency)
- DREW MIMS INSURANCE AGENCY, LLC, Texarkana (General Lines Agency)
- MANUFACTURED HOME INSURANCE SPECIALISTS, LLC, Texarkana (General Lines Agency)
- MAYO INSURANCE GROUP, INC., Texarkana (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)
- 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)
- 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
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)