Home Insurance in Nome, Texas
Homes in Nome carry a median value of $166,100 - close to the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Nome was built around 1970. About 12% of homes were built before 1960, about 5 points below Jefferson County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Nome is 93% single-family homes and 7% mobile or manufactured homes.
33% of owner-occupied homes in Nome carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Nome are owner-occupied.
62% of homes in Nome are primarily heated with electricity.
What's the biggest home insurance risk near Nome? FEMA's National Risk Index points to tornado (Relatively High) in Jefferson County and Jefferson County had 20,058 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $166,100 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jefferson County | 20,058 |
| 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)