Home Insurance in Camp County, Texas
The median home value in Camp County is $173,100, 39% lower than the Texas median.
The typical home in Camp County was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, in line with Texas (12%).
The housing stock in Camp County is 75% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Camp County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camp County has an owner-occupancy rate of 77% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
70% of homes in Camp County are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Moderate), hail (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Camp County.
As of September 2026, Camp County has 6 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $173,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Camp County
- JOHNS FINANCIAL SERVICES, INC., Pittsburg (General Lines Agency)
- PITTSBURG INSURANCE AGENCY INC, Pittsburg (General Lines Agency)
- TRINITY INS. LLC, Pittsburg (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)