Home Insurance in Liberty County, Texas
Homes in Liberty County carry a median value of $181,700 - 36% lower than the Texas median.
The typical home in Liberty County was built around 1996. About 7% of homes were built before 1960, about 5 points below Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Liberty County is 59% single-family homes, 3% apartments in buildings with 5+ units and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Liberty County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Liberty County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Liberty County - 74% - 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.
The top hazards for Liberty County, per FEMA's National Risk Index, are tornado (Relatively High), hurricane (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Liberty County has 1,901 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
This area lists 16 licensed insurance agencies.
Key figures
| Median home value | $181,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 1,901 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ames
- Cleveland
- Daisetta
- Dayton
- Dayton Lakes
- Devers
- Hardin
- Kenefick
- Liberty
- North Cleveland
- Plum Grove
Licensed insurance agencies in Liberty County
- 1800-INSURANCE, LLC, Cleveland (General Lines Agency)
- ADELA'S MULTI SERVICES INC, Dayton (General Lines Agency)
- B-3 INSURANCE SERVICES, LLC, Cleveland (General Lines Agency)
- BARET B. STEPHENSON, LLC, Liberty (General Lines Agency)
- DANA JACKSON INSURANCE AGENCY, LLC, Cleveland (General Lines Agency)
- DEANN RIVES, LLC, Hardin (General Lines Agency)
- DYLAN KOLARIK INSURANCE AGENCY, LLC, Dayton (General Lines Agency)
- FLNB INSURANCE AGENCY INC, Liberty (General Lines Agency)
- FREGIA ENTERPRISES, INC., Hull (General Lines Agency)
- JORDAN THIBODEAUX INSURANCE AND FINANCIAL SERVICES INC, Dayton (General Lines Agency)
- KENNEDY FREGIA, LLC, Hardin (General Lines Agency)
- LA INSURANCE AGENCY TX57, LLC, Cleveland (General Lines Agency)
- P&C INSURANCE SERVICES, LLC, Liberty (General Lines Agency)
- RIPKOWSKI INSURANCE AGENCY, LLC, Dayton (General Lines Agency)
- VIVI'S INSURANCE AGENCY LLC, Cleveland (General Lines Agency)
- WALA INSURANCE AGENCY INC, Cleveland (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)