Home Insurance in Mart, Texas
With a median home value of $116,100, Mart is 52% lower than the McLennan County median.
The typical home in Mart was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 49% of homes were built before 1960, about 28 points above McLennan County's 21%.
The housing stock in Mart is 87% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mart, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Mart are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Mart are primarily heated with electricity.
What's the biggest home insurance risk near Mart? 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 | $116,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)