Home Insurance in Cass County, Texas
With a median home value of $146,400, Cass County is 48% lower than the Texas median.
The typical home in Cass County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 7 points above Texas's 12%.
The housing stock in Cass County is 74% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Cass County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Cass County are owner-occupied.
69% of homes in Cass County are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Cass County.
As of September 2026, Cass County has 32 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 8 licensed insurance agencies.
Key figures
| Median home value | $146,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 32 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Cass County
- B B BOON INSURANCE AGENCY INC, Linden (General Lines Agency)
- BCMIS LLC, Douglassville (General Lines Agency)
- GREG HAWKINS, LLC, Queen City (General Lines Agency)
- HALE INSURANCE CONSULTANTS LLC, Atlanta (General Lines Agency)
- KENDELL WOLFE INSURANCE AGENCY, LLC, Atlanta (General Lines Agency)
- TEMPIE IRVIN INSURANCE, Hughes Springs (General Lines Agency)
- TERRE GASTON, LLC, Atlanta (General Lines Agency)
- TRI-CITIES THRIFTY INS AGENCY INC, Hughes Springs (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)