Home Insurance in Houston County, Texas
The median home value in Houston County is $164,900, 42% lower than the Texas median.
The typical home in Houston County was built around 1981. About 18% of homes were built before 1960, about 5 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Houston County is 71% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Houston County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Houston County has an owner-occupancy rate of 71% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Houston County - 64% - 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.
FEMA's National Risk Index lists wildfire (Relatively Low), hurricane (Relatively Low) and tornado (Relatively Low) as the leading hazards for Houston County.
As of September 2026, Houston County has 72 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $164,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 72 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Houston County
- COUNTY INSURANCE AGENCY, LLC, Grapeland (General Lines Agency)
- CROCKETT INSURANCE SERVICE INC, Crockett (General Lines Agency)
- DEAN INSURANCE AGENCY, INC., Crockett (General Lines Agency)
- FINANCIAL INSURANCE SERVICES INC, Grapeland (General Lines Agency)
- HOUSTON-WALKER COUNTY INS SERV INC, Crockett (General Lines Agency)
- PAUL DAWSON, INC., Crockett (General Lines Agency)
- SIGNATURE HAVEN CONSULTING LLC, Lovelady (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)