HomeInsuranceQts

Home Insurance in Newton, Texas

Homes in Newton carry a median value of $102,100 - close to the Newton County median.

The typical home in Newton was built around 1974. About 24% of homes were built before 1960, about 12 points above Newton County's 12%. 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 Newton is 69% single-family homes, 1% apartments in buildings with 5+ units and 23% mobile or manufactured homes.

28% of owner-occupied homes in Newton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Newton has an owner-occupancy rate of 66% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.

Most homes in Newton - 80% - are primarily heated with electricity.

Newton County had 268 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Newton 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$102,100
Median year built1974
Owner-occupied share66%
Share of owner-occupied homes with a mortgage28%
Top county hazardHurricane (Relatively Moderate)
Active NFIP policies in Newton County268
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Newton, TX

Nearby towns

Sources

Data last updated: 2026-09-29