Home Insurance in Rains County, Texas
Homes in Rains County carry a median value of $241,100 - 15% lower than the Texas median.
The typical home in Rains County was built around 1996. About 6% of homes were built before 1960, about 6 points below Texas's 12%. 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 Rains County is 75% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
46% of owner-occupied homes in Rains County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 83% of occupied homes in Rains County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rains County - 76% - 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.
The top hazards for Rains County, per FEMA's National Risk Index, are tornado (Relatively Low), hail (Relatively Low) and wildfire (Very Low).
As of September 2026, Rains County has 16 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $241,100 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 16 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Rains County
- DWJ INSURANCE GROUP, LLC, Emory (General Lines Agency)
- TRUSTED INSURANCE ADVISORS OF TEXAS, LLC, Emory (General Lines Agency)
- TURK INSURANCE AGENCY LLC, Point (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)