Home Insurance in Smiley, Texas
With a median home value of $135,300, Smiley is 15% lower than the Gonzales County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Smiley was built around 1976. About 25% of homes were built before 1960, in line with Gonzales County (26%).
The housing stock in Smiley is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Smiley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Smiley are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Smiley - 81% - 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.
What's the biggest home insurance risk near Smiley? FEMA's National Risk Index points to hail (Relatively Moderate) in Gonzales County and Gonzales County had 162 active NFIP flood policies as of September 2026. See the full Gonzales 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $135,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Gonzales County | 162 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Smiley
- J & L INSURANCE ASSOCIATES, LLC, Smiley (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)