Home Insurance in Athens, Texas
With a median home value of $210,800, Athens is close to the Henderson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Athens was built around 1978. About 22% of homes were built before 1960, about 13 points above Henderson County's 9%.
The housing stock in Athens is 63% single-family homes, 17% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Athens carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Athens are owner-occupied.
Most homes in Athens - 66% - are primarily heated with electricity.
Henderson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Henderson County had 239 active NFIP flood policies as of September 2026. See the full Henderson 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).
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $210,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Henderson County | 239 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Athens
- 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)
- DOUBLE LL INVESTMENTS, LLC, Athens (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)
- LINDSEY INSURANCE AGENCY, LLC, Athens (General Lines Agency)
- PAGOSA PINES, LLC, Athens (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)