Home Insurance in Wortham, Texas
Homes in Wortham carry a median value of $129,000 - 23% lower than the Freestone County median.
The typical home in Wortham was built around 1979. About 27% of homes were built before 1960, about 11 points above Freestone County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wortham, the housing stock is 63% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Wortham, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Wortham has an owner-occupancy rate of 47% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
54% of homes in Wortham 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).
Key figures
| Median home value | $129,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Freestone County | 35 |
| 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)