Home Insurance in Henderson County, Texas
With a median home value of $211,300, Henderson County is 26% lower than the Texas median.
The typical home in Henderson County was built around 1988. About 9% of homes were built before 1960, about 3 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Henderson County is 65% single-family homes, 5% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
43% of owner-occupied homes in Henderson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Henderson County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Henderson County - 81% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and hail (Relatively Moderate) as the leading hazards for Henderson County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Henderson County has 239 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.
20 licensed insurance agencies serve this area.
Key figures
| Median home value | $211,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 239 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Athens
- Berryville
- Brownsboro
- Caney City
- Chandler
- Coffee City
- Enchanted Oaks
- Eustace
- Gun Barrel City
- Log Cabin
- Malakoff
- Moore Station
- Murchison
- Payne Springs
- Poynor
- Seven Points
- Star Harbor
- Tool
- Trinidad
Licensed insurance agencies in Henderson County
- AA BUTLER INSURANCE AGENCY LLC, Athens (General Lines Agency)
- AGC INSURANCE AGENCY, LLC, Athens (General Lines Agency)
- AMANDA DESHAZO INSURANCE SERVICES LLC, Athens (General Lines Agency)
- BKSK, LLC, Brownsboro (General Lines Agency)
- CUMMINGS INSURANCE AGENCY, LLC, Gun Barrel City (General Lines Agency)
- DOUBLE LL INVESTMENTS, LLC, Athens (General Lines Agency)
- EL REY DE REYES AUTO INSURANCE AGENCY LLC, Seven Points (General Lines Agency)
- HEATH CARROLL INSURANCE AGENCY LLC, Athens (General Lines Agency)
- INDEPENDENCE INSURANCE AGENCY LLC, Athens (General Lines Agency)
- INDEPENDENT INSURANCE PROFESSIONALS LLC, Athens (General Lines Agency)
- KING INSURANCE AGENCY, Gun Barrel City (General Lines Agency)
- KING INSURANCE, LLC, Gun Barrel City (General Lines Agency)
- LINDSEY INSURANCE AGENCY, LLC, Athens (General Lines Agency)
- NEXLEVEL COVERAGE LLC, Gun Barrel City (General Lines Agency)
- NOLEN AGENCY LLC, Chandler (General Lines Agency)
- PAGOSA PINES, LLC, Athens (General Lines Agency)
- PINNACLE ISLAND INSURANCE ADVISORS, LTD., Gun Barrel City (General Lines Agency)
- RMR INS AGENCY PLLC, Gun Barrel City (General Lines Agency)
- STEVEN J SMITH LLC, Gun Barrel City (General Lines Agency)
- ZACHARY PRUITT INSURANCE AND FINANCIAL SERVICES, INC., Gun Barrel City (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)