Home Insurance in Pottsboro, Texas
The median home value in Pottsboro is $280,000, 13% higher than the Grayson County median.
The typical home in Pottsboro was built around 1993. About 18% of homes were built before 1960, about 3 points below Grayson County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Pottsboro, the housing stock is 92% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 53% of owner-occupied homes in Pottsboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Pottsboro are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Pottsboro are primarily heated with natural gas.
What's the biggest home insurance risk near Pottsboro? FEMA's National Risk Index points to hail (Relatively Moderate) in Grayson County and Grayson County had 332 active NFIP flood policies as of September 2026. See the full Grayson 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $280,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Grayson County | 332 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Pottsboro
- LOVELACE & COMPANY INC, Pottsboro (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)