Home Insurance in Brownwood, Texas
Homes in Brownwood carry a median value of $144,400 - 9% lower than the Brown County median.
The typical home in Brownwood was built around 1972. About 32% of homes were built before 1960, about 8 points above Brown County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brownwood is 67% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Brownwood, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brownwood has an owner-occupancy rate of 55% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Brownwood - 60% - are primarily heated with electricity.
Brown County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Brown County had 459 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $144,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Brown County | 459 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Brownwood
- 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)
- 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)
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)