HomeInsuranceQts

Home Insurance in Gregg County, Texas

The median home value in Gregg County is $203,400, 28% lower than the Texas median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gregg County was built around 1980. About 15% of homes were built before 1960, about 3 points above Texas's 12%.

In Gregg County, the housing stock is 66% single-family homes, 16% apartments in buildings with 5+ units and 8% 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.

About 49% of owner-occupied homes in Gregg County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Gregg County are owner-occupied.

In Gregg County, 66% of homes are primarily heated with electricity.

FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and hail (Relatively High) as the leading hazards for Gregg County.

Gregg County had 290 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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).

50 licensed insurance agencies serve this area.

Key figures

Median home value$203,400
Median year built1980
Owner-occupied share60%
Share of owner-occupied homes with a mortgage49%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Strong Wind (Relatively High), Hail (Relatively High)
Active NFIP flood policies (county)290
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Gregg County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources