Home Insurance in Kilgore, Texas
The median home value in Kilgore is $171,600, 16% lower than the Gregg County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kilgore was built around 1973. About 34% of homes were built before 1960, about 19 points above Gregg County's 15%.
The housing stock in Kilgore is 80% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Kilgore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kilgore has an owner-occupancy rate of 71% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
59% of homes in Kilgore are primarily heated with electricity.
FEMA rates Gregg County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $171,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Gregg County | 290 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Kilgore
- BIG-K ROLLING HOMES, INC., Kilgore (General Lines Agency)
- CONNIE VANCINI INSURANCE AGENCY LLC, Kilgore (General Lines Agency)
- THE ROSE AGENCY, L.L.C., Kilgore (General Lines Agency)
- TONY AZZAM INSURANCE AGENCY, L.L.C., Kilgore (General Lines Agency)
- WALTERS INSURANCE GROUP, L.L.C., Kilgore (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)