HomeInsuranceQts

Home Insurance in Tyler, Texas

Homes in Tyler carry a median value of $235,300 - close to the Smith County median.

The typical home in Tyler was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 26% of homes were built before 1960, about 9 points above Smith County's 18%.

The housing stock in Tyler is 66% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Tyler, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 55% of occupied homes in Tyler are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Tyler, 53% of homes are primarily heated with natural gas.

What's the biggest home insurance risk near Tyler? FEMA's National Risk Index points to strong wind (Relatively High) in Smith County and 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.

The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).

52 licensed insurance agencies serve this area.

Key figures

Median home value$235,300
Median year built1978
Owner-occupied share55%
Share of owner-occupied homes with a mortgage54%
Top county hazardStrong Wind (Relatively High)
Active NFIP policies in Smith County500
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Tyler, TX

Licensed insurance agencies in Tyler

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

Nearby towns

Sources

Data last updated: 2026-09-29