Home Insurance in Celeste, Texas
The median home value in Celeste is $184,700, 24% lower than the Hunt County median.
The typical home in Celeste was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 22 points above Hunt County's 10%.
The housing stock in Celeste is 87% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Celeste carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Celeste are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Celeste - 55% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Celeste? FEMA's National Risk Index points to tornado (Relatively High) in Hunt County and Hunt County had 186 active NFIP flood policies as of September 2026. See the full Hunt 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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $184,700 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hunt County | 186 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Celeste
- CELESTE INSURANCE AGENCY LLC, Celeste (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)