Home Insurance in Garrison, Texas
Homes in Garrison carry a median value of $91,300 - 46% lower than the Nacogdoches County median.
The typical home in Garrison was built around 1979. About 12% of homes were built before 1960, about 2 points below Nacogdoches County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Garrison is 59% single-family homes, 1% apartments in buildings with 5+ units and 28% 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.
In Garrison, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Garrison are owner-occupied.
In Garrison, 60% of homes are primarily heated with electricity.
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.
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).
Key figures
| Median home value | $91,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 59% |
| 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)