Home Insurance in Nacogdoches County, Texas
With a median home value of $169,200, Nacogdoches County is 40% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nacogdoches County was built around 1985. About 14% of homes were built before 1960, about 1 point above Texas's 12%.
In Nacogdoches County, the housing stock is 58% single-family homes, 15% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
40% of owner-occupied homes in Nacogdoches County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Nacogdoches County are owner-occupied.
Most homes in Nacogdoches County - 71% - 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.
The top hazards for Nacogdoches County, per FEMA's National Risk Index, are strong wind (Relatively High), tornado (Relatively High) and hurricane (Relatively Moderate).
As of September 2026, Nacogdoches County has 159 active NFIP flood insurance policies. 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).
This area lists 13 licensed insurance agencies.
Key figures
| Median home value | $169,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 159 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Nacogdoches County
- BRADY INSURANCE LLC, Nacogdoches (General Lines Agency)
- COMMERCIAL BANK OF TEXAS NATIONAL ASSOCIATION, Nacogdoches (General Lines Agency)
- DAVID ANDERSON AGENCY INC, Nacogdoches (General Lines Agency)
- GONZALEZ INSURANCE GROUP LLC, Nacogdoches (General Lines Agency)
- LA-POST INSURANCE AGENCY LLC, Nacogdoches (General Lines Agency)
- RACHEL PERRY INSURANCE SERVICES LLC, Nacogdoches (Pers Lines Prop and Cas Agency)
- RACHEL PERRY INSURANCE SERVICES LLC, Nacogdoches (General Lines Agency)
- ROY BLAKE INSURANCE AGENCY INC, Nacogdoches (General Lines Agency)
- SENIOR AND FAMILY CARE INSURANCE SERVICES, L.L.C., Nacogdoches (General Lines Agency)
- STEVE WILLIAMS INSURANCE AGENCY INC, Nacogdoches (General Lines Agency)
- THE KOONCE GROUP, LLC, Nacogdoches (General Lines Agency)
- THE LAKES INSURANCE AGENCY LLC, Nacogdoches (General Lines Agency)
- WILLIAM MILLER INSURANCE AGENCY, LLC, Nacogdoches (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)