Home Insurance in Hamlin, Texas
With a median home value of $73,200, Hamlin is 24% lower than the Jones County median.
The typical home in Hamlin was built around 1964. About 42% of homes were built before 1960, about 2 points above Jones County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hamlin is 90% single-family homes and 8% mobile or manufactured homes.
In Hamlin, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Hamlin are owner-occupied.
In Hamlin, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Hamlin? FEMA's National Risk Index points to hail (Relatively Moderate) in Jones County and Jones County had 82 active NFIP flood policies as of September 2026. See the full Jones 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).
Key figures
| Median home value | $73,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Jones County | 82 |
| 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)