Home Insurance in Retreat, Texas
The median home value in Retreat is $190,800, 11% higher than the Navarro County median.
The typical home in Retreat was built around 1988. About 14% of homes were built before 1960, about 6 points below Navarro County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Retreat is 95% single-family homes and 5% mobile or manufactured homes.
About 51% of owner-occupied homes in Retreat have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Retreat are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Retreat - 84% - 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 | $190,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)