Home Insurance in Gallatin, Texas
The median home value in Gallatin is $168,100, close to the Cherokee County median.
The typical home in Gallatin was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 14 points above Cherokee County's 18%.
The housing stock in Gallatin is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Gallatin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gallatin has an owner-occupancy rate of 74% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
53% of homes in Gallatin are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Gallatin? FEMA's National Risk Index points to strong wind (Relatively High) in Cherokee County and Cherokee County had 147 active NFIP flood policies as of September 2026. See the full Cherokee 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).
Key figures
| Median home value | $168,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Cherokee County | 147 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)