Home Insurance in Queen City, Texas
Homes in Queen City carry a median value of $116,300 - 21% lower than the Cass County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Queen City was built around 1976. About 29% of homes were built before 1960, about 9 points above Cass County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Queen City is 71% single-family homes, 8% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
19% of owner-occupied homes in Queen City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Queen City are owner-occupied.
66% of homes in Queen City 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $116,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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 Queen City
- GREG HAWKINS, LLC, Queen City (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)