Home Insurance in Hamilton, Texas
With a median home value of $102,100, Hamilton is 31% lower than the Hamilton County median.
The typical home in Hamilton was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 7 points above Hamilton County's 44%.
In Hamilton, the housing stock is 86% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hamilton, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hamilton has an owner-occupancy rate of 69% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Hamilton - 54% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hamilton? FEMA's National Risk Index points to wildfire (Relatively Low) in Hamilton County and Hamilton County had 7 active NFIP flood policies as of September 2026. See the full Hamilton County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $102,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Hamilton County | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hamilton
- 4P INSURANCE AGENCY, INC., Hamilton (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
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)