Home Insurance in Coleman County, Texas
The median home value in Coleman County is $92,500, 67% lower than the Texas median.
The typical home in Coleman County was built around 1966. About 43% of homes were built before 1960, about 30 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Coleman County is 80% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Coleman County, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coleman County has an owner-occupancy rate of 77% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Coleman County, 46% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hail (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Coleman County.
Coleman County had 17 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $92,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Coleman County
- ALLEN & ALLEN, Coleman (General Lines Agency)
- COUNTYWIDE INSURANCE AGENCY INC, Coleman (General Lines Agency)
- P.C. INSURANCE SERVICES, L.L.C., Coleman (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)