Home Insurance in Gainesville, Texas
With a median home value of $177,000, Gainesville is 26% lower than the Cooke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gainesville was built around 1971. About 31% of homes were built before 1960, about 11 points above Cooke County's 20%.
In Gainesville, the housing stock is 72% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 50% of owner-occupied homes in Gainesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Gainesville are owner-occupied.
Most homes in Gainesville - 51% - are primarily heated with electricity.
FEMA rates Cooke County's overall risk as Relatively Low, led by hail (Relatively Moderate). Cooke County had 188 active NFIP flood policies as of September 2026. See the full Cooke 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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $177,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cooke County | 188 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Gainesville
- ANDREW CRENSHAW INSURANCE SERVICES, LLC, Gainesville (General Lines Agency)
- DEKA INSURANCE AGENCY, LLC, Gainesville (General Lines Agency)
- DIETER INSURANCE AGENCY, INC., Gainesville (General Lines Agency)
- DONDA CORPORATION, Gainesville (General Lines Agency)
- FSHS INSURANCE, LLC, Gainesville (General Lines Agency)
- J PAUL MORGAN INSURANCE AGENCY, Gainesville (General Lines Agency)
- KENNY & LISA JONES INSURANCE GROUP, LLC, Gainesville (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)