Home Insurance in Brownsboro, Texas
The median home value in Brownsboro is $197,800, 6% lower than the Henderson County median.
The typical home in Brownsboro was built around 1994. About 15% of homes were built before 1960, about 6 points above Henderson County's 9%. 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 Brownsboro is 72% single-family homes, 15% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
59% of owner-occupied homes in Brownsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Brownsboro are owner-occupied.
Most homes in Brownsboro - 74% - are primarily heated with electricity.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $197,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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 Brownsboro
- BKSK, LLC, Brownsboro (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)