Home Insurance in Chireno, Texas
Homes in Chireno carry a median value of $88,900 - 47% lower than the Nacogdoches County median.
The typical home in Chireno was built around 1983. About 14% of homes were built before 1960, in line with Nacogdoches County (14%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Chireno is 46% single-family homes, 1% apartments in buildings with 5+ units and 18% 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.
About 34% of owner-occupied homes in Chireno have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Chireno are owner-occupied. The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chireno, 51% of homes are primarily heated with natural gas.
Nacogdoches County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Nacogdoches County had 159 active NFIP flood policies as of September 2026. See the full Nacogdoches County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $88,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Nacogdoches County | 159 |
| 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)