Home Insurance in Uncertain, Texas
The median home value in Uncertain is $181,300, close to the Harrison County median.
The typical home in Uncertain was built around 1957. About 72% of homes were built before 1960, about 52 points above Harrison County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Uncertain, the housing stock is 96% single-family homes and 3% mobile or manufactured homes.
About 16% of owner-occupied homes in Uncertain have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Uncertain are owner-occupied. The vacancy rate is 79%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Uncertain, 55% of homes are primarily heated with natural gas.
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.
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.
Key figures
| Median home value | $181,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)