Home Insurance in Hardin County, Texas
Homes in Hardin County carry a median value of $205,700 - 28% lower than the Texas median.
The typical home in Hardin County was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 1 point below Texas's 12%.
The housing stock in Hardin County is 69% single-family homes, 6% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Hardin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Hardin County are owner-occupied.
77% of homes in Hardin County are primarily heated with electricity.
The top hazards for Hardin County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Hardin County has 2,662 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
11 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $205,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 2,662 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hardin County
- AARIN PENRY INSURANCE AGENCY LLC, Lumberton (General Lines Agency)
- ALDRICH INSURANCE AGENCY, INC., Sour Lake (General Lines Agency)
- AMERICAN RELIABLE INSURANCE AGENCY INC, Lumberton (General Lines Agency)
- BHI SERVICES, LLC, Lumberton (General Lines Agency)
- LARRY BLOUNT & ASSOCIATES, L.L.C., Sour Lake (General Lines Agency)
- RACHEL DONALSON INSURANCE AGENCY, LLC, Silsbee (General Lines Agency)
- SHANNON MARTIN INSURANCE AGENCY LLC, Lumberton (General Lines Agency)
- TEXAS BUSINESS ASSOCIATES GP, Lumberton (General Lines Agency)
- THE LONG AGENCY LLC, Silsbee (General Lines Agency)
- THE WALTON INSURANCE AGENCY LLC, Kountze (General Lines Agency)
- W W HOUSE, INC, Lumberton (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)