Home Insurance in Leon County, Texas
With a median home value of $186,400, Leon County is 34% lower than the Texas median.
The typical home in Leon County was built around 1991. About 10% of homes were built before 1960, about 2 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Leon County is 60% single-family homes, 2% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Leon County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Leon County are owner-occupied.
Most homes in Leon County - 68% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), tornado (Relatively Low) and wildfire (Very Low) as the leading hazards for Leon County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Leon County has 40 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $186,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 40 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Leon County
- ALAN NEAL STATE FARM INC, Buffalo (General Lines Agency)
- LONGHORN INTERESTS, INC., Oakwood (General Lines Agency)
- OUTLAW INSURANCE GROUP, LLC, Buffalo (General Lines Agency)
- RACHAEL AND TANNER LLC, Normangee (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)