Home Insurance in Eustace, Texas
Homes in Eustace carry a median value of $192,900 - 9% lower than the Henderson County median.
The typical home in Eustace was built around 1988. About 20% of homes were built before 1960, about 11 points above Henderson County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Eustace, the housing stock is 62% single-family homes, 20% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Eustace have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Eustace are owner-occupied.
79% of homes in Eustace are primarily heated with electricity.
What's the biggest home insurance risk near Eustace? FEMA's National Risk Index points to tornado (Relatively High) in Henderson County and 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 | $192,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)