Home Insurance in Henderson, Texas
With a median home value of $173,700, Henderson is close to the Rusk County median.
The typical home in Henderson was built around 1972. About 34% of homes were built before 1960, about 11 points above Rusk County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Henderson is 76% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Henderson, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Henderson are owner-occupied.
55% of homes in Henderson are primarily heated with natural gas.
FEMA rates Rusk County's overall risk as Relatively Low, led by strong wind (Relatively High). Rusk County had 60 active NFIP flood policies as of September 2026. See the full Rusk County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $173,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rusk County | 60 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Henderson
- BLANCAS INSURANCE AGENCY AND TAXES LLC, Henderson (General Lines Agency)
- DAVID POWELL INSURANCE AGENCY , INC, Henderson (General Lines Agency)
- HCB INSURANCE AGENCY INC, Henderson (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)
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)