Home Insurance in Tenaha, Texas
Homes in Tenaha carry a median value of $91,500 - 10% lower than the Shelby County median.
The typical home in Tenaha was built around 1979. About 12% of homes were built before 1960, about 4 points below Shelby County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Tenaha, the housing stock is 42% single-family homes and 35% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Tenaha have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Tenaha are owner-occupied.
In Tenaha, 74% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Tenaha? 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).
Key figures
| Median home value | $91,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)