Home Insurance in Hughes Springs, Texas
Homes in Hughes Springs carry a median value of $153,300 - close to the Cass County median.
The typical home in Hughes Springs was built around 1964. About 47% of homes were built before 1960, about 28 points above Cass County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hughes Springs, the housing stock is 84% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Hughes Springs, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Hughes Springs are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hughes Springs - 68% - are primarily heated with electricity.
Cass County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Cass County had 32 active NFIP flood policies as of September 2026. See the full Cass County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $153,300 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cass County | 32 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hughes Springs
- TEMPIE IRVIN INSURANCE, Hughes Springs (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
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)