Home Insurance in Marlin, Texas
Homes in Marlin carry a median value of $66,000 - 40% lower than the Falls County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Marlin was built around 1967. About 44% of homes were built before 1960, about 15 points above Falls County's 28%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marlin is 81% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
35% of owner-occupied homes in Marlin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Marlin are owner-occupied.
Most homes in Marlin - 59% - are primarily heated with natural gas.
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.
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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $66,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Falls County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Marlin
- JNGK INVESTMENTS LLC, Marlin (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)