Home Insurance in Mason, Texas
With a median home value of $259,800, Mason is 12% lower than the Mason County median.
The typical home in Mason was built around 1969. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 41% of homes were built before 1960, about 7 points above Mason County's 34%.
The housing stock in Mason is 78% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mason, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mason has an owner-occupancy rate of 77% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
63% of homes in Mason 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.
Mason County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Mason County had 10 active NFIP flood policies as of September 2026. See the full Mason County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $259,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Mason County | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Mason
- ANGIE DAUGHERTY INSURANCE AGENT, LLC, Mason (General Lines Agency)
- BRANDON WILLIS, LLC, Mason (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)