Home Insurance in Sabine County, Texas
Homes in Sabine County carry a median value of $153,100 - 46% 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 Sabine County was built around 1991. About 9% of homes were built before 1960, about 3 points below Texas's 12%.
The housing stock in Sabine County is 61% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sabine County, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sabine County has an owner-occupancy rate of 86% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Sabine County - 78% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), strong wind (Relatively Moderate) and wildfire (Very Low) as the leading hazards for Sabine County.
Sabine County had 8 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $153,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Strong Wind (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Sabine County
- FELTS INSURANCE AGENCY, LLC, Hemphill (General Lines Agency)
- SHELBY INSURANCE AGENCY, INC., Hemphill (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)