Home Insurance in Robertson County, Texas
With a median home value of $185,900, Robertson County is 34% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Robertson County was built around 1985. About 20% of homes were built before 1960, about 7 points above Texas's 12%.
In Robertson County, the housing stock is 69% single-family homes, 1% apartments in buildings with 5+ units and 19% 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 35% of owner-occupied homes in Robertson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Robertson County are owner-occupied.
Most homes in Robertson County - 60% - 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, Robertson County's top hazards are hurricane (Relatively Low), tornado (Relatively Low) and hail (Relatively Low).
Robertson County had 167 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.
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 | $185,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 167 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Robertson County
- EL GUAPO VENTURES, LLC, Franklin (General Lines Agency)
- JOHN A. ELMORE INSURANCE SERVICES, LLC, Franklin (General Lines Agency)
- REKIETA INSURANCE SERVICES, LLC, Franklin (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)