Home Insurance in Hubbard, Texas
Homes in Hubbard carry a median value of $134,900 - 25% lower than the Hill 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 Hubbard was built around 1963. About 45% of homes were built before 1960, about 22 points above Hill County's 24%.
The housing stock in Hubbard is 82% single-family homes, 8% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Hubbard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Hubbard are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
53% of homes in Hubbard are primarily heated with natural gas.
FEMA rates Hill County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $134,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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 Hubbard
- KRISTIN MCGINTY AGENCY LLC, Hubbard (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)