Home Insurance in Freestone County, Texas
The median home value in Freestone County is $168,000, 41% lower than the Texas median.
The typical home in Freestone County was built around 1987. About 16% of homes were built before 1960, about 4 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Freestone County is 70% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Freestone County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Freestone County has an owner-occupancy rate of 75% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
75% of homes in Freestone County 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's National Risk Index lists tornado (Relatively Moderate), hurricane (Relatively Low) and wildfire (Relatively Low) as the leading hazards for Freestone County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Freestone County has 35 active NFIP flood policies on file.
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 7 licensed insurance agencies.
Key figures
| Median home value | $168,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 35 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Freestone County
- BEAU CHASTAIN INSURANCE SERVICES, LLC, Fairfield (General Lines Agency)
- EAGLE INSURANCE SERVICES INC, Fairfield (General Lines Agency)
- JTSB ENTERPRISES, LLC, Fairfield (General Lines Agency)
- SPECIALTY RISK SOUTHWEST, LLC, Fairfield (General Lines Agency)
- STEPHANIE BURNS INSURANCE AGENCY LLC, Teague (General Lines Agency)
- TEAGUE INSURANCE AGENCY, Teague (General Lines Agency)
- WILLARD INSURANCE GROUP, LLC, Fairfield (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)