Home Insurance in Mullin, Texas
With a median home value of $88,100, Mullin is 61% lower than the Mills County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Mullin was built around 1948. About 54% of homes were built before 1960, about 23 points above Mills County's 31%.
In Mullin, the housing stock is 88% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Mullin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Mullin are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mullin - 69% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Mills County's overall risk as Very Low, led by wildfire (Relatively Low). Mills County had 2 active NFIP flood policies as of September 2026. 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.
Key figures
| Median home value | $88,100 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Mills County | 2 |
| 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)