Home Insurance in Pittsburg, Texas
With a median home value of $119,200, Pittsburg is 31% lower than the Camp County median.
The typical home in Pittsburg was built around 1977. About 24% of homes were built before 1960, about 12 points above Camp County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Pittsburg is 65% single-family homes, 10% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Pittsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pittsburg has an owner-occupancy rate of 55% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
57% of homes in Pittsburg are primarily heated with electricity.
FEMA rates Camp County's overall risk as Very Low, led by tornado (Relatively Moderate). Camp County had 6 active NFIP flood policies as of September 2026. See the full Camp 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).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $119,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Camp County | 6 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Pittsburg
- 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
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)