Home Insurance in Fairfield, Texas
Homes in Fairfield carry a median value of $169,500 - close to the Freestone County median.
The typical home in Fairfield was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 4 points above Freestone County's 16%.
In Fairfield, the housing stock is 76% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fairfield, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Fairfield are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Fairfield are primarily heated with electricity.
FEMA rates Freestone County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Freestone County had 35 active NFIP flood policies as of September 2026. See the full Freestone 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).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $169,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Freestone County | 35 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Fairfield
- 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)
- WILLARD INSURANCE GROUP, LLC, Fairfield (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)