Home Insurance in Whitesboro, Texas
Homes in Whitesboro carry a median value of $249,800 - close to the Grayson County median.
The typical home in Whitesboro was built around 1977. About 23% of homes were built before 1960, about 2 points above Grayson County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Whitesboro breaks down to 82% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 38% of owner-occupied homes in Whitesboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Whitesboro are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Whitesboro - 54% - are primarily heated with natural gas.
What's the biggest home insurance risk near Whitesboro? 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $249,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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 Whitesboro
- SMMBJ, INC, Whitesboro (General Lines Agency)
- WIA NORTH TEXAS, LLC DBA WOOD INSURANCE AGENCY, Whitesboro (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)