HomeInsuranceQts

Home Insurance in Johnson County, Texas

Homes in Johnson County carry a median value of $285,900 - close to the Texas median.

The typical home in Johnson County was built around 1997. About 7% of homes were built before 1960, about 5 points below Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Johnson County, the housing stock is 71% single-family homes, 7% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Johnson County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Johnson County are owner-occupied.

79% of homes in Johnson County are primarily heated with electricity.

The top hazards for Johnson County, per FEMA's National Risk Index, are tornado (Relatively High), wildfire (Relatively Moderate) and hail (Relatively Moderate).

Johnson County had 566 active National Flood Insurance Program policies as of September 2026. 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).

46 licensed insurance agencies are listed for this area.

Key figures

Median home value$285,900
Median year built1997
Owner-occupied share75%
Share of owner-occupied homes with a mortgage60%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Wildfire (Relatively Moderate), Hail (Relatively Moderate)
Active NFIP flood policies (county)566
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Johnson County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources