Home Insurance in Noonday, Texas
Homes in Noonday carry a median value of $267,200 - 11% higher than the Smith County median.
The typical home in Noonday was built around 1995. About 8% of homes were built before 1960, about 10 points below Smith County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Noonday is 89% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Noonday have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Noonday has an owner-occupancy rate of 74% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
85% of homes in Noonday are primarily heated with electricity.
FEMA rates Smith County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Smith County had 500 active NFIP flood policies as of September 2026. See the full Smith 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 | $267,200 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Smith County | 500 |
| 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)