Home Insurance in Nacogdoches, Texas
Homes in Nacogdoches carry a median value of $186,000 - 10% higher than the Nacogdoches County median.
The typical home in Nacogdoches was built around 1981. About 15% of homes were built before 1960, about 1 point above Nacogdoches County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Nacogdoches, the housing stock is 51% single-family homes, 31% apartments in buildings with 5+ units and 6% 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 Nacogdoches, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Nacogdoches are owner-occupied.
In Nacogdoches, 70% of homes are primarily heated with electricity.
Nacogdoches County had 159 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Nacogdoches 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.
13 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $186,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Nacogdoches County | 159 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Nacogdoches
- 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
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)