Home Insurance in Whitewright, Texas
Homes in Whitewright carry a median value of $242,000 - close to the Grayson County median.
The typical home in Whitewright was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 5 points above Grayson County's 20%.
In Whitewright, the housing stock is 73% single-family homes, 9% apartments in buildings with 5+ units and 7% 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 Whitewright, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Whitewright has an owner-occupancy rate of 66% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
60% of homes in Whitewright are primarily heated with natural gas.
Grayson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $242,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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 Whitewright
- SCHOONOVER AGENCY LLC, Whitewright (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)