Home Insurance in Shelby County, Texas
Homes in Shelby County carry a median value of $101,500 - 64% lower than the Texas median.
The typical home in Shelby County was built around 1984. About 16% of homes were built before 1960, about 3 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Shelby County, the housing stock is 62% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 28% of owner-occupied homes in Shelby County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Shelby County are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Shelby County, 67% of homes are primarily heated with electricity.
The top hazards for Shelby County, per FEMA's National Risk Index, are strong wind (Relatively High), hurricane (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Shelby County has 31 active NFIP flood insurance policies. 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.
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $101,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 31 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Shelby County
- BIG SOUTH MANAGEMENT, LLC, Center (General Lines Agency)
- BOUNDS INSURANCE AGENCY INC, Center (General Lines Agency)
- CHRIS MAYFIELD INSURANCE AGENCY INC., Center (General Lines Agency)
- JOHN MICHAEL BURNS INSURANCE AGENCY LLC, Center (General Lines Agency)
- M&M INSURANCE AGENCY & ASSOCIATES LLC, Center (General Lines Agency)
- MORRISON INSURANCE AGENCY LLC, Center (General Lines Agency)
- SHOOP INSURANCE AGENCY LLC, Center (General Lines Agency)
- TOMLIN INSURANCE STORE, INC., Center (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)