Home Insurance in Silsbee, Texas
The median home value in Silsbee is $148,400, 28% lower than the Hardin County median.
The typical home in Silsbee was built around 1976. About 27% of homes were built before 1960, about 16 points above Hardin County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Silsbee is 76% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
About 45% of owner-occupied homes in Silsbee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Silsbee are owner-occupied.
Most homes in Silsbee - 78% - are primarily heated with electricity.
Hardin County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Hardin County had 2,662 active NFIP flood policies as of September 2026. See the full Hardin 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $148,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hardin County | 2,662 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Silsbee
- RACHEL DONALSON INSURANCE AGENCY, LLC, Silsbee (General Lines Agency)
- THE LONG AGENCY LLC, Silsbee (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)