Home Insurance in Goldthwaite, Texas
With a median home value of $127,700, Goldthwaite is 43% lower than the Mills County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Goldthwaite was built around 1969. About 42% of homes were built before 1960, about 11 points above Mills County's 31%.
In Goldthwaite, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Goldthwaite carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Goldthwaite has an owner-occupancy rate of 65% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Goldthwaite, 49% 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.
Mills County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Mills County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $127,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Mills County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Goldthwaite
- 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
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)