Home Insurance in Three Rivers, Texas
The median home value in Three Rivers is $77,800, 51% lower than the Live Oak County median.
The typical home in Three Rivers was built around 1981. About 21% of homes were built before 1960, about 9 points above Live Oak County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Three Rivers is 70% single-family homes, 20% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Three Rivers have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 48% of occupied homes in Three Rivers are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Three Rivers are primarily heated with electricity.
What's the biggest home insurance risk near Three Rivers? FEMA's National Risk Index points to hurricane (Relatively Low) in Live Oak County and Live Oak County had 98 active NFIP flood policies as of September 2026. See the full Live Oak 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.
Key figures
| Median home value | $77,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Live Oak County | 98 |
| 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)