Home Insurance in Daingerfield, Texas
With a median home value of $100,200, Daingerfield is 17% lower than the Morris County median.
The typical home in Daingerfield was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 8 points above Morris County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Daingerfield is 84% single-family homes and 9% mobile or manufactured homes.
About 30% of owner-occupied homes in Daingerfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Daingerfield has an owner-occupancy rate of 60% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
51% of homes in Daingerfield are primarily heated with natural gas.
What's the biggest home insurance risk near Daingerfield? FEMA's National Risk Index points to hail (Relatively Moderate) in Morris County and Morris County had 17 active NFIP flood policies as of September 2026. See the full Morris 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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $100,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Morris County | 17 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Daingerfield
- JOE RICHARDSON INSURANCE AGENCY INC, Daingerfield (General Lines Agency)
- RANDY C. WRIGHT INC., Daingerfield (General Lines Agency)
- WALLACE INSURANCE AGENCY,LLC, Daingerfield (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)