Home Insurance in Livingston, Texas
The median home value in Livingston is $200,100, 8% higher than the Polk County median.
The typical home in Livingston was built around 1976. About 20% of homes were built before 1960, about 12 points above Polk County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Livingston, the housing stock is 67% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Livingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Livingston has an owner-occupancy rate of 50% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Livingston - 59% - are primarily heated with electricity.
Polk County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Polk County had 546 active NFIP flood policies as of September 2026. See the full Polk 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).
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $200,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Polk County | 546 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Livingston
- 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)
- TBL INSURANCE AGENCY INC, Livingston (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
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)