Home Insurance in Mills County, Texas
With a median home value of $223,700, Mills County is 21% lower than the Texas median.
The typical home in Mills County was built around 1977. About 31% of homes were built before 1960, about 18 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Mills County, the housing stock is 81% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mills County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mills County has an owner-occupancy rate of 80% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Mills County - 50% - 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.
Per FEMA's National Risk Index, Mills County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and hurricane (Very Low).
Mills County had 2 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $223,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Mills County
- GORDON DYER INSURANCE AGENCY, LLC, Goldthwaite (General Lines Agency)
- SHANNON PRESCOTT INSURANCE SERVICES, PLLC, Goldthwaite (General Lines Agency)
- TOWER PROGRAM INSURANCE SERVICES, INC., Goldthwaite (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)