Home Insurance in Waskom, Texas
Homes in Waskom carry a median value of $92,000 - 49% lower than the Harrison County median.
The typical home in Waskom was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 10 points above Harrison County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waskom is 56% single-family homes, 5% apartments in buildings with 5+ units and 35% mobile or manufactured homes.
24% of owner-occupied homes in Waskom carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Waskom has an owner-occupancy rate of 74% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Waskom - 79% - 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $92,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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 Waskom
- HAL NORRIS INSURANCE AGENCY LLP, Waskom (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)