Home Insurance in Tira, Texas
The median home value in Tira is $129,600, 41% lower than the Hopkins County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tira was built around 1989. About 15% of homes were built before 1960, about 2 points below Hopkins County's 17%.
In Tira, the housing stock is 69% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Tira have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tira has an owner-occupancy rate of 88% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tira, 65% of homes are primarily heated with electricity.
Hopkins County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Hopkins County had 77 active NFIP flood policies as of September 2026. See the full Hopkins 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.
Key figures
| Median home value | $129,600 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hopkins County | 77 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)