Home Insurance in Fannin County, Texas
Homes in Fannin County carry a median value of $233,700 - 18% lower than the Texas median.
The typical home in Fannin County was built around 1987. About 20% of homes were built before 1960, about 8 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fannin County is 79% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Fannin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fannin County has an owner-occupancy rate of 79% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Fannin County - 58% - 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.
Per FEMA's National Risk Index, Fannin County's top hazards are tornado (Relatively Moderate), hail (Relatively Moderate) and wildfire (Relatively Low).
Fannin County had 146 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 8 licensed insurance agencies.
Key figures
| Median home value | $233,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 146 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Fannin County
- BRADFORD-WATSON CO INC, Bonham (General Lines Agency)
- BUCHANAN INSURANCE AGENCY CORPORATION, Leonard (General Lines Agency)
- COUNTRY SIDE INSURANCE SERVICES LLC, Honey Grove (General Lines Agency)
- GANT INSURANCE SERVICES, LLC, Leonard (General Lines Agency)
- J N K INNOVATIONS LLC, Ladonia (General Lines Agency)
- JAACC LLC, Trenton (General Lines Agency)
- ROBERTS AG RISK MANAGEMENT LLC, Bonham (General Lines Agency)
- SHOCKLEY INSURANCE AGENCY, INC., Bonham (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)