Home Insurance in Polk County, Texas
The median home value in Polk County is $184,800, 35% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Polk County was built around 1989. About 8% of homes were built before 1960, about 4 points below Texas's 12%.
In Polk County, the housing stock is 69% single-family homes, 2% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Polk County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Polk County are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Polk County - 77% - 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.
Per FEMA's National Risk Index, Polk County's top hazards are hurricane (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate).
Polk County had 546 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
13 licensed insurance agencies serve this area.
Key figures
| Median home value | $184,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 546 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Polk County
- BASKIN INSURANCE AGENCY, LLC, Corrigan (General Lines Agency)
- BRADLEY WELBORN INSURANCE AGENCY INC., Livingston (General Lines Agency)
- C. T. JONES INSURANCE AGENCY, INC., Livingston (General Lines Agency)
- CHAMP CARTER INSURANCE AGENCY, L.L.C., Livingston (General Lines Agency)
- DREW L SHEFFIELD INC, Livingston (General Lines Agency)
- FARMER INSURANCE GROUP, LLC, Livingston (General Lines Agency)
- FIRST COMMUNITY FINANCIAL GROUP, INCORPORATED, Livingston (General Lines Agency)
- K & L INSURANCE AGENCY, LLC, Livingston (General Lines Agency)
- LAKESIDE INSURANCE AGENCY, Onalaska (General Lines Agency)
- LAWSON INSURANCE AGENCY LLC, Corrigan (General Lines Agency)
- TBL INSURANCE AGENCY INC, Livingston (General Lines Agency)
- TEXAS FAMILY INSURANCE AGENCY LLC, Corrigan (General Lines Agency)
- THE CROCKER GROUP LLC, Livingston (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)