Home Insurance in Paris, Texas
With a median home value of $150,000, Paris is 25% lower than the Lamar County median.
The typical home in Paris was built around 1980. About 18% of homes were built before 1960, about 6 points above Lamar County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Paris breaks down to 72% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Paris have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 48% of occupied homes in Paris are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Paris, 62% of homes are primarily heated with electricity.
Lamar County had 148 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Lamar County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
This area lists 13 licensed insurance agencies.
Key figures
| Median home value | $150,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lamar County | 148 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Paris
- BALLARD INSURANCE AGENCY, INC., Paris (General Lines Agency)
- COMBINED INSURANCE ASSOCIATES INC, Paris (General Lines Agency)
- COREY D. FAGAN INSURANCE SERVICES, LLC, Paris (General Lines Agency)
- F5 INSURANCE SOLUTIONS LLC, Paris (General Lines Agency)
- JAYSON COWARD INSURANCE SERVICES LLC, Paris (General Lines Agency)
- JOSHUA BREWER INSURANCE SOLUTIONS, LLC, Paris (General Lines Agency)
- LINDSEY WALTON INSURANCE SERVICES LLC, Paris (General Lines Agency)
- NORMENT & LANDERS LP, Paris (General Lines Agency)
- PEEPLES INS., LLC, Paris (General Lines Agency)
- Pierson & Fendley Insurance Agency, LLC, Paris (General Lines Agency)
- SCOTT KENNEDY INSURANCE AGENCY INC., Paris (General Lines Agency)
- WOODBY ENTERPRISES, INC., Paris (General Lines Agency)
- ZAMORA INSURANCE AGENCY, LLC, Paris (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)