Home Insurance in Huxley, Texas
With a median home value of $88,600, Huxley is 13% lower than the Shelby County median.
The typical home in Huxley was built around 1978. About 17% of homes were built before 1960, about 1 point above Shelby County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Huxley, the housing stock is 44% single-family homes, 1% apartments in buildings with 5+ units and 55% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Huxley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Huxley has an owner-occupancy rate of 97% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
Most homes in Huxley - 68% - are primarily heated with electricity.
Shelby County had 31 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Shelby County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
Key figures
| Median home value | $88,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Shelby County | 31 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)