Home Insurance in Yorktown, Texas
Homes in Yorktown carry a median value of $165,600 - close to the DeWitt County median.
The typical home in Yorktown was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 23 points above DeWitt County's 28%.
The housing stock in Yorktown is 92% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 19% of owner-occupied homes in Yorktown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Yorktown are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Yorktown - 54% - 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.
DeWitt County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. DeWitt County had 217 active NFIP flood policies as of September 2026. See the full DeWitt 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 | $165,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in DeWitt County | 217 |
| 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)