Home Insurance in Hamilton County, Texas
Homes in Hamilton County carry a median value of $147,700 - 48% lower than the Texas median.
The typical home in Hamilton County was built around 1965. About 44% of homes were built before 1960, about 32 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hamilton County is 89% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Hamilton County, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Hamilton County are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hamilton County, 54% of homes are primarily heated with electricity.
The top hazards for Hamilton County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and hurricane (Very Low).
As of September 2026, Hamilton County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $147,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hamilton County
- 4P INSURANCE AGENCY, INC., Hamilton (General Lines Agency)
- GIESSNER INSURANCE AGENCY, LLC, Hico (General Lines Agency)
- RYAN MATHISON INSURANCE SERVICES LLC, Hamilton (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)