Home Insurance in Easton, Texas
Homes in Easton carry a median value of $100,400 - 51% lower than the Gregg County median.
The typical home in Easton was built around 1986. About 13% of homes were built before 1960, about 2 points below Gregg County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Easton is 54% single-family homes and 46% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Easton, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Easton has an owner-occupancy rate of 83% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Easton - 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 Easton? FEMA's National Risk Index points to tornado (Relatively High) in Gregg County and Gregg County had 290 active NFIP flood policies as of September 2026. See the full Gregg County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $100,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Gregg County | 290 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)