Home Insurance in Liberty, Texas
The median home value in Liberty is $175,300, close to the Liberty County median.
The typical home in Liberty was built around 1975. About 20% of homes were built before 1960, about 13 points above Liberty County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Liberty is 69% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 38% of owner-occupied homes in Liberty have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Liberty are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Liberty, 58% of homes are primarily heated with electricity.
FEMA rates Liberty County's overall risk as Relatively Low, led by tornado (Relatively High). Liberty County had 1,901 active NFIP flood policies as of September 2026. See the full Liberty 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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $175,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Liberty County | 1,901 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Liberty
- BARET B. STEPHENSON, LLC, Liberty (General Lines Agency)
- FLNB INSURANCE AGENCY INC, Liberty (General Lines Agency)
- P&C INSURANCE SERVICES, LLC, Liberty (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)