Home Insurance in Wilson, Texas
With a median home value of $131,800, Wilson is 11% lower than the Lynn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wilson was built around 1961. About 46% of homes were built before 1960, about 9 points above Lynn County's 38%.
The housing stock in Wilson is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Wilson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Wilson are owner-occupied.
Most homes in Wilson - 64% - are primarily heated with natural gas.
Lynn County had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Lynn County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $131,800 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lynn County | 1 |
| 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)