Home Insurance in Coleman, Texas
The median home value in Coleman is $71,900, 22% lower than the Coleman County median.
The typical home in Coleman was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 55% of homes were built before 1960, about 13 points above Coleman County's 43%.
In Coleman, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Coleman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Coleman are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Coleman are primarily heated with natural gas.
What's the biggest home insurance risk near Coleman? FEMA's National Risk Index points to hail (Relatively Moderate) in Coleman County and Coleman County had 17 active NFIP flood policies as of September 2026. See the full Coleman County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $71,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Coleman County | 17 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Coleman
- 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
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)