Home Insurance in Junction, Texas
With a median home value of $151,900, Junction is 25% lower than the Kimble County median.
The typical home in Junction was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 2 points above Kimble County's 24%.
The housing stock in Junction is 75% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Junction, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Junction has an owner-occupancy rate of 69% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
73% of homes in Junction are primarily heated with electricity.
Kimble County had 50 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Kimble 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 | $151,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Kimble County | 50 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Junction
- ELKINS ALL LINES INSURANCE AGENCY, Junction (General Lines Agency)
- R.D. KOTHMANN INSURANCE AGENCY, L.L.C., Junction (General Lines Agency)
- WESTAN INSURANCE GROUP, LLC, Junction (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)