Home Insurance in Gholson, Texas
The median home value in Gholson is $148,800, 39% lower than the McLennan County median.
The typical home in Gholson was built around 1996. About 4% of homes were built before 1960, about 17 points below McLennan County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Gholson is 47% single-family homes and 53% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Gholson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gholson has an owner-occupancy rate of 79% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Gholson, 89% of homes 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.
What's the biggest home insurance risk near Gholson? FEMA's National Risk Index points to tornado (Relatively High) in McLennan County and McLennan County had 968 active NFIP flood policies as of September 2026. See the full McLennan 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).
Key figures
| Median home value | $148,800 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in McLennan County | 968 |
| 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)