Home Insurance in Center, Texas
With a median home value of $83,300, Center is 18% lower than the Shelby County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Center was built around 1982. About 16% of homes were built before 1960, in line with Shelby County (16%).
The housing stock in Center is 70% single-family homes, 12% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Center, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Center are owner-occupied.
Most homes in Center - 75% - are primarily heated with electricity.
What's the biggest home insurance risk near Center? FEMA's National Risk Index points to strong wind (Relatively High) in Shelby County and Shelby County had 31 active NFIP flood policies as of September 2026. See the full Shelby 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).
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $83,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Shelby County | 31 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Center
- 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
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)