Home Insurance in Quinlan, Texas
The median home value in Quinlan is $193,800, 20% lower than the Hunt County median.
The typical home in Quinlan was built around 1984. About 8% of homes were built before 1960, about 2 points below Hunt County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Quinlan is 62% single-family homes, 12% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Quinlan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Quinlan has an owner-occupancy rate of 59% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
69% of homes in Quinlan are primarily heated with electricity.
Hunt County had 186 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Hunt County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $193,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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 Quinlan
- SLAUGHTER ENTERPRISES INC, Quinlan (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
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)