Home Insurance in Ellinger, Texas
The median home value in Ellinger is $206,900, 30% lower than the Fayette County median.
The typical home in Ellinger was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, in line with Fayette County (27%).
In Ellinger, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Ellinger have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ellinger has an owner-occupancy rate of 79% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ellinger, 62% of homes are primarily heated with electricity.
Fayette County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Fayette County had 190 active NFIP flood policies as of September 2026. See the full Fayette 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 | $206,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fayette County | 190 |
| 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)