HomeInsuranceQts

Home Insurance in Smith County, Texas

Homes in Smith County carry a median value of $240,700 - 15% lower than the Texas median.

The typical home in Smith County was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 5 points above Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Smith County is 71% single-family homes, 13% apartments in buildings with 5+ units and 11% mobile or manufactured homes.

In Smith County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 69% of occupied homes in Smith County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

59% of homes in Smith County are primarily heated with electricity.

The top hazards for Smith County, per FEMA's National Risk Index, are strong wind (Relatively High), winter weather (Relatively High) and hail (Relatively Moderate).

As of September 2026, Smith County has 500 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.

74 licensed insurance agencies are listed for this area.

Key figures

Median home value$240,700
Median year built1986
Owner-occupied share69%
Share of owner-occupied homes with a mortgage53%
Top hazards (FEMA National Risk Index)Strong Wind (Relatively High), Winter Weather (Relatively High), Hail (Relatively Moderate)
Active NFIP flood policies (county)500
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Smith County

...and 14 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources