Home Insurance in Berryville, Texas
With a median home value of $137,100, Berryville is 35% lower than the Henderson County median.
The typical home in Berryville was built around 1987. About 0% of homes were built before 1960, about 9 points below Henderson County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Berryville, the housing stock is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Berryville, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Berryville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Berryville - 86% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Henderson County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
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 | $137,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Henderson County | 239 |
| 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)