Home Insurance in Murchison, Texas
The median home value in Murchison is $162,500, 23% lower than the Henderson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Murchison was built around 1974. About 15% of homes were built before 1960, about 6 points above Henderson County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Murchison is 80% single-family homes and 13% mobile or manufactured homes.
In Murchison, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Murchison has an owner-occupancy rate of 66% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
56% of homes in Murchison are primarily heated with electricity.
What's the biggest home insurance risk near Murchison? 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $162,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)