Home Insurance in Rusk County, Texas
With a median home value of $171,300, Rusk County is 40% lower than the Texas median.
The typical home in Rusk County was built around 1980. About 23% of homes were built before 1960, about 10 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rusk County is 74% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
In Rusk County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rusk County has an owner-occupancy rate of 79% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Rusk County - 65% - 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, Rusk County's top hazards are strong wind (Relatively High), tornado (Relatively Moderate) and wildfire (Relatively Low).
Rusk County had 60 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 13 licensed insurance agencies.
Key figures
| Median home value | $171,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 60 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Rusk County
- A-FRIENDLY INSURANCE AGENCY, INC., Tatum (General Lines Agency)
- BLANCAS INSURANCE AGENCY AND TAXES LLC, Henderson (General Lines Agency)
- DAVID POWELL INSURANCE AGENCY , INC, Henderson (General Lines Agency)
- EVANS & HICKMAN INSURANCE AGENCY INC., Overton (General Lines Agency)
- HCB INSURANCE AGENCY INC, Henderson (General Lines Agency)
- JMHJR INC., Overton (General Lines Agency)
- RACHEL MOSELEY INSURANCE AGENCY LLC, Henderson (General Lines Agency)
- STEPHANIE M. RICHARDSON INS AGT, LLC, Henderson (General Lines Agency)
- STEVEN GLODEN ENTERPRISES INC., Henderson (General Lines Agency)
- TEXAS BANK, Henderson (General Lines Agency)
- THE DRODDY AGENCY LLC, Henderson (General Lines Agency)
- UNITED INSURANCE AGENCY OF TEXAS LLC, Henderson (General Lines Agency)
- WEBB RETIREMENT STRATEGIES LLC, Mount Enterprise (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)