Home Insurance in Robinson, Texas
With a median home value of $302,200, Robinson is 24% higher than the McLennan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Robinson was built around 1990. About 5% of homes were built before 1960, about 16 points below McLennan County's 21%.
The housing stock in Robinson is 90% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Robinson, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Robinson are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Robinson, 73% of homes are primarily heated with electricity.
FEMA rates McLennan County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $302,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in McLennan County | 968 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Robinson
- LYNCH AG INSURANCE SERVICES INC, Robinson (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)