Home Insurance in Freer, Texas
The median home value in Freer is $95,500, 7% higher than the Duval County median.
The typical home in Freer was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 16 points below Duval County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Freer is 82% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In Freer, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Freer has an owner-occupancy rate of 69% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Freer, 97% of homes are primarily heated with electricity.
FEMA rates Duval County's overall risk as Relatively Low, led by hurricane (Relatively Low). Duval County had 25 active NFIP flood policies as of September 2026. See the full Duval 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $95,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Duval County | 25 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Freer
- BAYMOR INSURANCE AGENCY LLC, Freer (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)