Home Insurance in Trenton, Texas
With a median home value of $164,000, Trenton is 30% lower than the Fannin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Trenton was built around 1970. About 34% of homes were built before 1960, about 14 points above Fannin County's 20%.
Housing in Trenton breaks down to 87% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Trenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Trenton are owner-occupied.
In Trenton, 48% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Trenton? FEMA's National Risk Index points to tornado (Relatively Moderate) in Fannin County and Fannin County had 146 active NFIP flood policies as of September 2026. See the full Fannin 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $164,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Fannin County | 146 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Trenton
- JAACC LLC, Trenton (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)