Home Insurance in Tatum, Texas
The median home value in Tatum is $195,200, 14% higher than the Rusk County median.
The typical home in Tatum was built around 1992. About 10% of homes were built before 1960, about 12 points below Rusk County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tatum is 56% single-family homes, 1% apartments in buildings with 5+ units and 23% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Tatum, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Tatum are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Tatum are primarily heated with electricity.
Rusk County had 60 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Rusk County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $195,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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 Tatum
- A-FRIENDLY INSURANCE AGENCY, INC., Tatum (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)