Home Insurance in Knox City, Texas
Homes in Knox City carry a median value of $62,700 - 19% lower than the Knox County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Knox City was built around 1966. About 33% of homes were built before 1960, about 4 points below Knox County's 37%.
In Knox City, the housing stock is 91% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Knox City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Knox City are owner-occupied.
57% of homes in Knox City are primarily heated with natural gas.
What's the biggest home insurance risk near Knox City? FEMA's National Risk Index points to hail (Relatively Low) in Knox County and 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $62,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Knox County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Knox City
- BILL STEWART INSURANCE SERVICES INC, Knox City (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)