Home Insurance in Madisonville, Texas
Homes in Madisonville carry a median value of $121,300 - 31% lower than the Madison County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Madisonville was built around 1973. About 31% of homes were built before 1960, about 12 points above Madison County's 19%.
The housing stock in Madisonville is 80% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Madisonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Madisonville are owner-occupied.
Most homes in Madisonville - 80% - are primarily heated with electricity.
FEMA rates Madison County's overall risk as Very Low, led by hurricane (Relatively Low). Madison County had 48 active NFIP flood policies as of September 2026. See the full Madison 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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $121,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Madison County | 48 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Madisonville
- MIKE FARRIS INSURANCE AGENCY, LLC, Madisonville (General Lines Agency)
- STOVER AND CROUCH INSURANCE AGENCY, INC., Madisonville (General Lines Agency)
- THE SAM HOUSTON INSURANCE AGENCY LLC, Madisonville (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)