Home Insurance in Emory, Texas
The median home value in Emory is $218,100, 10% lower than the Rains County median.
The typical home in Emory was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 15 points above Rains County's 6%.
The housing stock in Emory is 65% single-family homes, 16% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Emory have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Emory are owner-occupied.
In Emory, 72% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Emory? FEMA's National Risk Index points to tornado (Relatively Low) in Rains County and Rains County had 16 active NFIP flood policies as of September 2026. See the full Rains County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $218,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Rains County | 16 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Emory
- DWJ INSURANCE GROUP, LLC, Emory (General Lines Agency)
- TRUSTED INSURANCE ADVISORS OF TEXAS, LLC, Emory (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)