Home Insurance in Linden, Texas
The median home value in Linden is $131,300, 10% lower than the Cass County median.
The typical home in Linden was built around 1971. About 32% of homes were built before 1960, about 13 points above Cass County's 19%. 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 Linden is 73% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 30% of owner-occupied homes in Linden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Linden has an owner-occupancy rate of 58% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Linden, 55% of homes are primarily heated with natural gas.
Cass County had 32 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $131,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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 Linden
- B B BOON INSURANCE AGENCY INC, Linden (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)