Home Insurance in Falls County, Texas
The median home value in Falls County is $110,900, 61% lower than the Texas median.
The typical home in Falls County was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 16 points above Texas's 12%.
In Falls County, the housing stock is 79% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Falls County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Falls County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Falls County, 54% of homes 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.
FEMA's National Risk Index lists tornado (Relatively Moderate), hurricane (Relatively Low) and hail (Relatively Low) as the leading hazards for Falls County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Falls County has 2 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $110,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Falls County
- CALIENTE INVESTMENTS, LLC, Lott (General Lines Agency)
- JNGK INVESTMENTS LLC, Marlin (General Lines Agency)
- KBI AGRICULTURE RISK MANAGEMENT, LLC, Rosebud (General Lines Agency)
- MASON INSURANCE ADVISORS & TAX SERVICES, LLC, Chilton (General Lines Agency)
- STEADY BOOKS BOOKKEEPING LLC, Eddy (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)