Home Insurance in Scottsville, Texas
The median home value in Scottsville is $112,500, 38% lower than the Harrison County median.
The typical home in Scottsville was built around 1986. About 5% of homes were built before 1960, about 16 points below Harrison County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Scottsville, the housing stock is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Scottsville, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Scottsville are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Scottsville - 71% - are primarily heated with electricity.
FEMA rates Harrison County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Harrison County | 182 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)