Home Insurance in Goodlow, Texas
Homes in Goodlow carry a median value of $76,900 - 55% lower than the Navarro County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Goodlow was built around 1980. About 10% of homes were built before 1960, about 10 points below Navarro County's 20%.
In Goodlow, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Goodlow carry a mortgage.
About 86% of occupied homes in Goodlow are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Goodlow are primarily heated with electricity.
Navarro County had 161 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Navarro 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.
Key figures
| Median home value | $76,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)