Home Insurance in Hopkins County, Texas
Homes in Hopkins County carry a median value of $221,100 - 22% lower than the Texas median.
The typical home in Hopkins County was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 5 points above Texas's 12%.
In Hopkins County, the housing stock is 75% single-family homes, 8% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Hopkins County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hopkins County has an owner-occupancy rate of 71% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Hopkins County - 73% - 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.
The top hazards for Hopkins County, per FEMA's National Risk Index, are tornado (Relatively High), strong wind (Relatively High) and hail (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hopkins County has 77 active NFIP flood policies on file.
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).
13 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $221,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 77 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Hopkins County
- ARAE INSURANCE RESOURCES, LLC, Como (General Lines Agency)
- BAUCOM INSURANCE SERVICES INC, Sulphur Springs (General Lines Agency)
- BERNING INSURANCE GROUP INC, Sulphur Springs (General Lines Agency)
- CASEY PHILLIPS INSURANCE AGENCY L.L.C., Sulphur Springs (General Lines Agency)
- DAWSON FINANCIAL SERVICES INC., Sulphur Springs (General Lines Agency)
- DIXON & DIXON INSURANCE AGENCY LLC, Sulphur Springs (General Lines Agency)
- GALYEAN INSURANCE AGENCY INC, Sulphur Springs (General Lines Agency)
- JASON TULLY INSURANCE AGENCY, LLC, Sulphur Springs (General Lines Agency)
- JULIA WILHITE INSURANCE AGENCY, INC., Sulphur Springs (General Lines Agency)
- MATTISON INSURANCE AGENCY, INC., Sulphur Springs (General Lines Agency)
- MICHAEL A MIESSE INSURANCE AGENCY INC, Sulphur Springs (General Lines Agency)
- RICHARD N. WATKINS INSURANCE AGENCY,LLC, Sulphur Springs (General Lines Agency)
- TENBERGE INSURANCE AGENCY LLC, Sulphur Springs (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)