Home Insurance in Harrison County, Texas
With a median home value of $180,400, Harrison County is 36% lower than the Texas median.
The typical home in Harrison County was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 8 points above Texas's 12%.
In Harrison County, the housing stock is 73% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Harrison County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Harrison County are owner-occupied.
69% of homes in Harrison County are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Harrison County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Harrison County has 182 active NFIP flood policies on file.
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 17 licensed insurance agencies.
Key figures
| Median home value | $180,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 182 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Harrison County
- AVELAR & ASOCIADOS, LLC, Marshall (General Lines Agency)
- BARRY SHEETS INSURANCE AGENCY LLC, Marshall (General Lines Agency)
- BROWNRIGG INSURANCE AGENCY INC, Marshall (General Lines Agency)
- CORNERSTONE INSURANCE ADVISORS LLC, Marshall (General Lines Agency)
- GREENLITE INSURANCE AGENCY LLC, Marshall (Pers Lines Prop and Cas Agency)
- GREENLITE INSURANCE AGENCY LLC, Marshall (General Lines Agency)
- HAL NORRIS INSURANCE AGENCY LLP, Waskom (General Lines Agency)
- JUNE BECKHAM INSURANCE AGENCY, INC., Marshall (General Lines Agency)
- KBI MANAGEMENT LLP, Marshall (General Lines Agency)
- LOUIS A WILLIAMS & ASSOCIATES INC, Marshall (General Lines Agency)
- MATTHEW 2028 LLC, Hallsville (General Lines Agency)
- MICHAEL TEAGUE INSURANCE, INC., Marshall (General Lines Agency)
- MULLIKIN 3IG LLC, Hallsville (General Lines Agency)
- OAK & IVY INSURANCE AGENCY LLC, Harleton (General Lines Agency)
- SCHOLL INSURANCE AGENCY, INC, Marshall (General Lines Agency)
- SIMMONS AUTO, INC, Marshall (General Lines Agency)
- WILSON INSURANCE AGENCY LLC, Marshall (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)