HomeInsuranceQts

Home Insurance in Benjamin, Texas

Homes in Benjamin carry a median value of $62,900 - 19% lower than the Knox County median.

The typical home in Benjamin was built around 1955. About 62% of homes were built before 1960, about 25 points above Knox County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In Benjamin, the housing stock is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Benjamin, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Benjamin has an owner-occupancy rate of 60% and a vacancy rate of 59%; unoccupied homes typically need a different coverage form.

57% of homes in Benjamin are primarily heated with natural gas.

FEMA rates Knox County's overall risk as Very Low, led by hail (Relatively Low). Knox County had 2 active NFIP flood policies as of September 2026. See the full Knox 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$62,900
Median year built1955
Owner-occupied share60%
Share of owner-occupied homes with a mortgage25%
Top county hazardHail (Relatively Low)
Active NFIP policies in Knox County2
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Benjamin, TX

Nearby towns

Sources

Data last updated: 2026-09-29