Home Insurance in Silverton, Texas
Homes in Silverton carry a median value of $77,900 - 14% lower than the Briscoe County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Silverton was built around 1959. About 55% of homes were built before 1960, about 10 points above Briscoe County's 44%.
In Silverton, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
15% of owner-occupied homes in Silverton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Silverton are owner-occupied.
56% of homes in Silverton are primarily heated with natural gas.
Briscoe County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Briscoe County has no active NFIP flood policies on file. See the full Briscoe County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $77,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Wildfire (Very Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Silverton
- DOUBLE B CROP INSURANCE AGENCY, LLC, Silverton (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)