Home Insurance in Centerville, Texas
With a median home value of $200,500, Centerville is 8% higher than the Leon County median.
The typical home in Centerville was built around 1978. About 14% of homes were built before 1960, about 4 points above Leon County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Centerville is 66% single-family homes, 5% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Centerville, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Centerville has an owner-occupancy rate of 61% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Centerville - 67% - 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.
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).
Key figures
| Median home value | $200,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Leon County | 40 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)