Home Insurance in Hillsboro, Texas
With a median home value of $157,900, Hillsboro is 12% lower than the Hill County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hillsboro was built around 1970. About 38% of homes were built before 1960, about 15 points above Hill County's 24%.
Housing in Hillsboro breaks down to 75% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Hillsboro, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 54% of occupied homes in Hillsboro are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Hillsboro are primarily heated with electricity.
What's the biggest home insurance risk near Hillsboro? FEMA's National Risk Index points to tornado (Relatively Moderate) in Hill County and Hill County had 80 active NFIP flood policies as of September 2026. See the full Hill 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.
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $157,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Hill County | 80 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hillsboro
- 77 GROUP, LLC, Hillsboro (General Lines Agency)
- CLT INSURANCE AGENCY LLC, Hillsboro (General Lines Agency)
- HILL COUNTY INSURANCE AGENCY, A PROFESSIONAL CORPORATION., Hillsboro (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
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)