Home Insurance in Marion County, Texas
Homes in Marion County carry a median value of $101,500 - 64% lower than the Texas median.
The typical home in Marion County was built around 1981. About 16% of homes were built before 1960, about 4 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marion County is 66% single-family homes and 27% mobile or manufactured homes.
25% of owner-occupied homes in Marion County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marion County has an owner-occupancy rate of 78% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Marion County - 75% - 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 Marion County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Low) and tornado (Relatively Low).
Marion County had 10 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $101,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Marion County
- EASY RATE INSURANCE, LLC, Jefferson (General Lines Agency)
- MIKE CLAYTON INSURANCE CONSULTANTS LLC, Jefferson (General Lines Agency)
- SULLIVAN INSURANCE CONNECTION LLC, Jefferson (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)