Home Insurance in Limestone County, Texas
With a median home value of $164,200, Limestone County is 42% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Limestone County was built around 1983. About 18% of homes were built before 1960, about 5 points above Texas's 12%.
In Limestone County, the housing stock is 71% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Limestone County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Limestone County has an owner-occupancy rate of 72% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Limestone County - 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.
The top hazards for Limestone County, per FEMA's National Risk Index, are wildfire (Relatively Low), hurricane (Relatively Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Limestone County has 65 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $164,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 65 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Limestone County
- CID INSURANCE AGENCY LLC, Mexia (General Lines Agency)
- JACKSON'S CENTRAL TEXAS INSURANCE PLUS, INC., Groesbeck (General Lines Agency)
- RESOURCE PRO SERVICES LLC, Groesbeck (General Lines Agency)
- TONYA GLASS INSURANCE AGENCY, Groesbeck (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)