Home Insurance in Normangee, Texas
With a median home value of $188,700, Normangee is close to the Leon County median.
The typical home in Normangee was built around 2001. About 17% of homes were built before 1960, about 6 points above Leon County's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Normangee, the housing stock is 41% single-family homes, 3% apartments in buildings with 5+ units and 51% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
30% of owner-occupied homes in Normangee carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Normangee has an owner-occupancy rate of 76% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Normangee - 52% - are primarily heated with natural gas.
What's the biggest home insurance risk near Normangee? FEMA's National Risk Index points to hurricane (Relatively Low) in Leon County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $188,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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 Normangee
- RACHAEL AND TANNER LLC, Normangee (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)