Home Insurance in Dublin, Texas
With a median home value of $149,300, Dublin is 45% lower than the Erath County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dublin was built around 1973. About 33% of homes were built before 1960, about 17 points above Erath County's 16%.
The housing stock in Dublin is 76% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dublin, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in Dublin are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Dublin are primarily heated with electricity.
Erath County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Erath County had 68 active NFIP flood policies as of September 2026. See the full Erath 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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $149,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Erath County | 68 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dublin
- WALKER INSURANCE AGENCY INC, Dublin (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)