Home Insurance in Barry, Texas
With a median home value of $164,800, Barry is close to the Navarro County median.
The typical home in Barry was built around 1960. About 50% of homes were built before 1960, about 31 points above Navarro County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Barry is 88% single-family homes and 12% mobile or manufactured homes.
About 45% of owner-occupied homes in Barry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Barry are owner-occupied.
84% of homes in Barry are primarily heated with electricity.
FEMA rates Navarro County's overall risk as Relatively Low, led by tornado (Relatively High). Navarro County had 161 active NFIP flood policies as of September 2026. See the full Navarro 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 | $164,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Navarro County | 161 |
| 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)