Home Insurance in Seven Points, Texas
With a median home value of $91,100, Seven Points is 57% lower than the Henderson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Seven Points was built around 1986. About 8% of homes were built before 1960, about 1 point below Henderson County's 9%.
In Seven Points, the housing stock is 23% single-family homes, 1% apartments in buildings with 5+ units and 60% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in Seven Points carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Seven Points are owner-occupied.
Most homes in Seven Points - 83% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Henderson County had 239 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $91,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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 Seven Points
- EL REY DE REYES AUTO INSURANCE AGENCY LLC, Seven Points (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)