Home Insurance in Orange, Texas
The median home value in Orange is $164,900, close to the Orange County median.
The typical home in Orange was built around 1973. About 28% of homes were built before 1960, about 12 points above Orange County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Orange is 73% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 51% of owner-occupied homes in Orange have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Orange are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Orange, 49% of homes are primarily heated with electricity.
FEMA rates Orange County's overall risk as Relatively Moderate, led by hurricane (Relatively High). Orange County had 11,771 active NFIP flood policies as of September 2026. See the full Orange 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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $164,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Orange County | 11,771 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Orange
- CAMPISE INSURANCE SERVICES, LLC, Orange (General Lines Agency)
- ETL INSURANCE AGENCY LLC, Orange (General Lines Agency)
- MANN INSURANCE AGENCY INC, Orange (General Lines Agency)
- MIKE LOWE AGENCY, LLC, Orange (General Lines Agency)
- PEACE OF MIND INSURANCE AGENCY LLC, Orange (General Lines Agency)
- PRECISE INSURANCE AGENCY, LLC, Orange (General Lines Agency)
- TK HEALTH INSURANCE SERVICES, LLC, Orange (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)