Home Insurance in Brown County, Texas
Homes in Brown County carry a median value of $158,900 - 44% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brown County was built around 1978. About 24% of homes were built before 1960, about 12 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brown County is 67% single-family homes, 11% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 44% of owner-occupied homes in Brown County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brown County has an owner-occupancy rate of 68% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Brown County - 66% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate) as the leading hazards for Brown County.
As of September 2026, Brown County has 459 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).
This area lists 10 licensed insurance agencies.
Key figures
| Median home value | $158,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 459 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Brown County
- 3EMBERS CORPORATION, Brownwood (General Lines Agency)
- C B JOHNSON INC, Brownwood (General Lines Agency)
- DAVID ROBNETT LLC, Brownwood (General Lines Agency)
- GOLDEN BLOOM INSURANCE GROUP LLC, Brownwood (General Lines Agency)
- JOHNSON SMITH INSURANCE AGENCY INC, Brownwood (General Lines Agency)
- OLIVER INSURANCE GROUP, LLC, Brookesmith (General Lines Agency)
- PORTER INSURANCE AGENCY INC, Brownwood (General Lines Agency)
- SHANE OLIVER INSURANCE AGENCIES INC., Brownwood (General Lines Agency)
- SKY INSURANCE AGENCY, LLC, Brownwood (General Lines Agency)
- TEXAS BENEFIT CONSULTANTS LLC, Early (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)