Home Insurance in Gun Barrel City, Texas
With a median home value of $237,300, Gun Barrel City is 12% higher than the Henderson County median.
The typical home in Gun Barrel City was built around 1989. About 4% of homes were built before 1960, about 5 points below Henderson County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Gun Barrel City is 74% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Gun Barrel City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 91% of occupied homes in Gun Barrel City are owner-occupied.
94% of homes in Gun Barrel City 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).
This area lists 8 licensed insurance agencies.
Key figures
| Median home value | $237,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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 Gun Barrel City
- CUMMINGS INSURANCE AGENCY, LLC, Gun Barrel City (General Lines Agency)
- KING INSURANCE AGENCY, Gun Barrel City (General Lines Agency)
- KING INSURANCE, LLC, Gun Barrel City (General Lines Agency)
- NEXLEVEL COVERAGE LLC, Gun Barrel City (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
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)