Home Insurance in Navarro, Texas
The median home value in Navarro is $134,700, 22% lower than the Navarro County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Navarro was built around 1994. About 8% of homes were built before 1960, about 11 points below Navarro County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Navarro is 31% single-family homes and 69% mobile or manufactured homes.
41% of owner-occupied homes in Navarro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Navarro has an owner-occupancy rate of 81% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Navarro - 90% - 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.
Navarro County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $134,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)