Home Insurance in Golinda, Texas
Homes in Golinda carry a median value of $138,300 - 25% higher than the Falls County median.
The typical home in Golinda was built around 1985. About 13% of homes were built before 1960, about 16 points below Falls County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Golinda is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Golinda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Golinda has an owner-occupancy rate of 78% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Golinda - 72% - 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 rates Falls County's overall risk as Very Low, led by tornado (Relatively Moderate). Falls County had 2 active NFIP flood policies as of September 2026. See the full Falls County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $138,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Falls County | 2 |
| 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)