Home Insurance in Buffalo, Texas
With a median home value of $73,500, Buffalo is 61% lower than the Leon County median.
The typical home in Buffalo was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, in line with Leon County (10%).
In Buffalo, the housing stock is 42% single-family homes, 12% apartments in buildings with 5+ units and 41% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
33% of owner-occupied homes in Buffalo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Buffalo are owner-occupied.
Most homes in Buffalo - 83% - are primarily heated with electricity.
Leon County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Leon County had 40 active NFIP flood policies as of September 2026. See the full Leon 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 2 licensed insurance agencies.
Key figures
| Median home value | $73,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Leon County | 40 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Buffalo
- ALAN NEAL STATE FARM INC, Buffalo (General Lines Agency)
- OUTLAW INSURANCE GROUP, LLC, Buffalo (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)