Home Insurance in Marshall, Texas
The median home value in Marshall is $141,400, 22% lower than the Harrison County median.
The typical home in Marshall was built around 1969. About 34% of homes were built before 1960, about 13 points above Harrison County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Marshall, the housing stock is 80% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Marshall, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marshall has an owner-occupancy rate of 60% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Marshall - 55% - are primarily heated with electricity.
Harrison County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Harrison County had 182 active NFIP flood policies as of September 2026. See the full Harrison 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).
13 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $141,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Harrison County | 182 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Marshall
- 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)
- 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)
- MICHAEL TEAGUE INSURANCE, INC., Marshall (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
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)