Home Insurance in Hill County, Texas
Homes in Hill County carry a median value of $179,200 - 37% lower than the Texas median.
The typical home in Hill County was built around 1984. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 24% of homes were built before 1960, about 11 points above Texas's 12%.
The housing stock in Hill County is 74% single-family homes, 5% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Hill County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Hill County are owner-occupied.
Most homes in Hill County - 69% - 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.
Per FEMA's National Risk Index, Hill County's top hazards are tornado (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Moderate).
Hill County had 80 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
10 licensed insurance agencies serve this area.
Key figures
| Median home value | $179,200 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 80 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Abbott
- Aquilla
- Blum
- Bynum
- Carl's Corner
- Covington
- Hillsboro
- Hubbard
- Itasca
- Malone
- Mertens
- Mount Calm
- Penelope
- Whitney
Licensed insurance agencies in Hill County
- 77 GROUP, LLC, Hillsboro (General Lines Agency)
- CLT INSURANCE AGENCY LLC, Hillsboro (General Lines Agency)
- DOUG COURSEY INSURANCE AGENCY LLC, Whitney (General Lines Agency)
- HILL COUNTY INSURANCE AGENCY, A PROFESSIONAL CORPORATION., Hillsboro (General Lines Agency)
- KRISTIN MCGINTY AGENCY LLC, Hubbard (General Lines Agency)
- PEAVY INSURANCE AGENCY, LLC, Malone (General Lines Agency)
- RAWLS GLOBAL PARTNERS INC, Mount Calm (General Lines Agency)
- REED INSURANCE AGENCY & ASSOCIATES LLC, Whitney (General Lines Agency)
- SULLINS INSURANCE SOLUTIONS LLC, Hillsboro (General Lines Agency)
- WHITEFIELD INSURANCE AGENCY LLC, Hillsboro (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)