HomeInsuranceQts

Home Insurance in Longview, Texas

The median home value in Longview is $202,600, close to the Gregg County median.

The typical home in Longview was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, in line with Gregg County (15%).

In Longview, the housing stock is 65% single-family homes, 20% apartments in buildings with 5+ units and 3% 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.

52% of owner-occupied homes in Longview carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Longview are owner-occupied.

In Longview, 62% of homes 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.

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.

This area lists 45 licensed insurance agencies.

Key figures

Median home value$202,600
Median year built1978
Owner-occupied share55%
Share of owner-occupied homes with a mortgage52%
Top county hazardTornado (Relatively High)
Active NFIP policies in Gregg County290
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Longview, TX

Licensed insurance agencies in Longview

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

Nearby towns

Sources

Data last updated: 2026-09-29