Home Insurance in Gatesville, Texas
With a median home value of $207,300, Gatesville is 6% higher than the Coryell County median.
The typical home in Gatesville was built around 1979. About 20% of homes were built before 1960, about 9 points above Coryell County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gatesville, the housing stock is 81% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
51% of owner-occupied homes in Gatesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Gatesville are owner-occupied.
Most homes in Gatesville - 53% - are primarily heated with electricity.
FEMA rates Coryell County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Coryell County had 116 active NFIP flood policies as of September 2026. See the full Coryell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $207,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Coryell County | 116 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Gatesville
- DAN DAVIDSON INSURANCE AGENCY LLC, Gatesville (General Lines Agency)
- FRED DASCHOFSKY INSURANCE AGENCY INC, Gatesville (General Lines Agency)
- JR STEPHENS LLC, Gatesville (General Lines Agency)
- KENT SCOTT INSURANCE AND FINANCIAL SERVICES, INC., Gatesville (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)