Home Insurance in Mount Enterprise, Texas
The median home value in Mount Enterprise is $196,400, 15% higher than the Rusk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mount Enterprise was built around 1964. About 42% of homes were built before 1960, about 19 points above Rusk County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Enterprise is 88% single-family homes and 12% mobile or manufactured homes.
About 29% of owner-occupied homes in Mount Enterprise have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Mount Enterprise are owner-occupied.
In Mount Enterprise, 70% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Mount Enterprise? FEMA's National Risk Index points to strong wind (Relatively High) in Rusk County and 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.
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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $196,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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 Mount Enterprise
- WEBB RETIREMENT STRATEGIES LLC, Mount Enterprise (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)