Home Insurance in Navarro County, Texas
With a median home value of $172,600, Navarro County is 39% lower than the Texas median.
The typical home in Navarro County was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 7 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Navarro County is 70% single-family homes, 5% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 45% of owner-occupied homes in Navarro County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Navarro County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Navarro County - 66% - 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.
FEMA's National Risk Index lists tornado (Relatively High), strong wind (Relatively High) and hail (Relatively Moderate) as the leading hazards for Navarro County.
Navarro County had 161 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 16 licensed insurance agencies.
Key figures
| Median home value | $172,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 161 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Angus
- Barry
- Blooming Grove
- Corsicana
- Dawson
- Emhouse
- Eureka
- Frost
- Goodlow
- Kerens
- Mildred
- Navarro
- Oak Valley
- Powell
- Retreat
- Rice
- Richland
- Streetman
Licensed insurance agencies in Navarro County
- AIRCRAFT INSURANCE AGENCY BY DUNCAN, LLC, Corsicana (General Lines Agency)
- ANGIE BODINE-HIGHTOWER INSURANCE AGENCY LLC, Corsicana (General Lines Agency)
- BADIE STEWART LLC, Corsicana (General Lines Agency)
- BILL MAUPIN INSURANCE AGENCY, LLC, Corsicana (General Lines Agency)
- BORDEN INSURANCE SERVICES INC, Corsicana (General Lines Agency)
- COOPER & FRENCH INSURANCE AGENCY, INC., Corsicana (General Lines Agency)
- HOUSLEY INSURANCE AGENCY, INC., Corsicana (General Lines Agency)
- INSURANCE SERVICES & MANAGEMENT, LLC, Corsicana (General Lines Agency)
- JELLISON METROPLEX INSURANCE AGENCY, LLC, Corsicana (General Lines Agency)
- LONG GAME INSURANCE AGENCY, LLC, Corsicana (General Lines Agency)
- MS INSURES LLC, Corsicana (General Lines Agency)
- NGF INSURANCE AGENCY LLC, Corsicana (General Lines Agency)
- PETTY INSURANCE GROUP, LLC, Corsicana (General Lines Agency)
- PIVOTAL INSURANCE SERVICES, LLC, Corsicana (General Lines Agency)
- TMC INSURANCE SERVICES LLC, Corsicana (General Lines Agency)
- YORK INSURANCE SERVICES, INC., Corsicana (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)