Home Insurance in Hunt County, Texas
Homes in Hunt County carry a median value of $241,700 - 15% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hunt County was built around 1990. About 10% of homes were built before 1960, about 2 points below Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hunt County is 70% single-family homes, 10% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
50% of owner-occupied homes in Hunt County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Hunt County are owner-occupied.
Most homes in Hunt County - 68% - 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 Hunt County, per FEMA's National Risk Index, are tornado (Relatively High), hail (Relatively High) and strong wind (Relatively High).
As of September 2026, Hunt County has 186 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
17 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $241,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 186 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Caddo Mills
- Campbell
- Celeste
- Commerce
- Greenville
- Hawk Cove
- Lone Oak
- Neylandville
- Quinlan
- Union Valley
- West Tawakoni
- Wolfe City
Licensed insurance agencies in Hunt County
- BRANTLEY BURNS INC, Greenville (General Lines Agency)
- CELESTE INSURANCE AGENCY LLC, Celeste (General Lines Agency)
- DYER INSURANCE AGENCY INC, Commerce (General Lines Agency)
- GET A POLICY INSURANCE SERVICES LLC, Greenville (General Lines Agency)
- HARVEST CONCEPTS LLC, Lone Oak (General Lines Agency)
- HUNTEX INSURANCE AGENCY LLC, Greenville (General Lines Agency)
- INSURANCE GROUP OF NORTH TEXAS, LLC, Greenville (General Lines Agency)
- JEFF B JONES INSURANCE AGENCY INC, Greenville (General Lines Agency)
- JONES & TURNER INSURANCE GROUP, LLC, Greenville (General Lines Agency)
- MOORE FARMS & INSURANCE SERVICES, LLC, Caddo Mills (General Lines Agency)
- PK SALES, INC., Lone Oak (General Lines Agency)
- PRESTIGE BENEFITS GROUP, PLLC, Greenville (General Lines Agency)
- RCDG ENTERPRISES INC, Greenville (General Lines Agency)
- SLAUGHTER ENTERPRISES INC, Quinlan (General Lines Agency)
- TEXAS ENSURE INC, Caddo Mills (General Lines Agency)
- TEXAS RISK MANAGERS, LLC, Quinlan (General Lines Agency)
- THE HILLSIDE AGENCY INC, Quinlan (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)